保本基金属基金的一种类型，风险较低。指的是在一定期间内，对所投资的本金提供一定比例的保证保本基金，基金利用利息或是极小比例的资产从事高风险投资，而将大部份的资产从事固定收益投资，使得基金投资的市场不论如何下跌时，绝对不会低于其所担保的价格，而达到所谓的「保本」作用。在国际上，保本基金可分为保证和护本基金两种类型，其中护本基金不需要第三方提供担保。“保本”在这里可用“Guaranteed（If you say that something is guaranteed to happen, you mean that you are certain that it will happen. ）”一词表示，因此保本基金即为“Guaranteed Fund”。

保本基金的英文释义如下，供参考：

A guaranteed fund is a type of collective investment scheme that guarantees to pay back a pre-determined percentage of the invested capital, subject to satisfaction of certain pre-determined conditions. A guaranteed fund doesn't work exactly like a savings deposit. With a guaranteed fund, you are subject to the credit and solvency risks of the issuer of the underlying investment as well as those of the guarantor. A guaranteed fund is also not equivalent to a principal-protected instrument. The guaranteed amount may only be a percentage of the capital invested (which may be less than 100%) and is only available under specific circumstances.

一般来说，保本基金将大部分资产投资于固定收入债券，以使基金期限届满时支付投资者的本金，其余资产约15%－20%投资于股票等工具来提高回报潜力。

以下为相关双语示例：

The fund is not a guaranteed fund and does not guarantee the repayment of capital.

本基金不是一项保证基金，并不保证偿还资本。

Please refer to the `Guarantee features' section under `Guaranteed Fund' in Part II - Fund Structure of the relevant `Principal Brochure' and any supplement to the Principal Brochure for full details of the guarantee features and Guarantee Conditions. bank.hangseng.com

有关保证特点及保证条件的详情，请参阅有关「主要推销刊物」的第二部分 -- 基金结构内 「保本基金」下的「保证特点」及任何主要推销刊物补充版。