1. Is it safe to buy a fund?
1. From the perspective of the fund platform, as long as it is formal and audited by the state, it is safe and will not deceive people. For example, platforms such as Alipay Fund, WeChat Fund, Bank Fund and Tian Tian Fund Network are all formal and safe, so it is impossible to worry about the money being swept away.
2. However, from the perspective of fund products themselves, any wealth management product is risky, and so is the fund, which cannot guarantee its 100% safety. However, funds are also divided into different types. Different types of funds will lead to different risks and different levels of security. For example, money funds and pure debt bond funds are all types of funds with small fund fluctuation and low risk, and basically will not lose the principal, so the security is relatively high.
3. For high-risk fund varieties such as stock funds, hybrid funds and index funds, the risk of purchase will be greater and the fund will fluctuate greatly, so the security of the fund products themselves may not be guaranteed. Therefore, investors should pay attention to the risks of their own funds when buying. Before buying a fund, they should make a risk assessment to see what kind of investors they belong to. If you are conservative, buy a money fund or a pure bond fund. If you are radical, you can consider high-risk fund types such as equity funds, hybrid funds and index funds.
Second, what are the benefits of buying a fund?
For investors, buying funds means indirectly buying stocks, bonds and other securities, and finally gaining income through them. Compared with buying and selling stocks and bonds directly, buying funds has the following advantages:
1. The fund company has a relatively complete professional investment and research team, and has strong ability to select stocks and bonds. Giving money to experts for financial management solves the shortage of investors' time and professional knowledge.
2. As an institutional investor, funds can buy some securities that ordinary individual investors can't buy (mainly securities in the primary market). For example, the national debt market is divided into primary market and secondary market by function. The primary market is the market for issuing government bonds, and the secondary market is the market for transferring government bonds. Generally speaking, individual investors can only invest in the secondary market and cannot participate in the issuance of the primary market. Institutional investors can not only trade in the secondary market, but also obtain relatively rich profits through underwriting and underwriting in the primary market.
3. Funds can invest in different financial instruments, such as stocks, bonds and currencies, to avoid the risks of individual securities.