Which is riskier, funds or stocks?

generally speaking, the risk of funds is not very big, but there are some types of funds, and the risk is relatively big. There are two main factors that affect the risk of the fund, subjective and objective. Is the following small series a big risk for the fund? I hope you like it.

1. Is the fund risky?

overall, the risk of the fund is moderate. The size of fund risk is related to two factors, the first is the objective factor, that is, the type of fund, and the second is the subjective factor, that is, different people have different understanding of risk.

1. From the objective factors,

The risks of funds are large and small, which cannot be generalized. Different types of funds have great differences in risks and serious polarization. For example, money funds and private equity funds, if the risk of money funds is classified according to the risk level from R1 to R5, it belongs to R1 type, which is what we often call cautious or low risk. However, if the risk of some private equity funds is classified according to the risk level from R1 to R5, it belongs to R5 high risk level, because some private equity funds invest in futures and stocks, and the risk of such private equity funds is relatively large.

2. Subjectively speaking,

Everyone's risk tolerance is different, so everyone's attitude towards risk is different, that is, the size of fund risk depends in part on our subjective factors. It also includes our personal cognitive level, and the risk is negatively correlated with our personal cognitive level.

The higher our cognitive level, the more thoroughly we know about things. Knowing the laws and logic of things, we will not have fear in our hearts, and the risk of things will be reduced relative to individuals. On the contrary, if we are unfamiliar with a thing and don't understand its connotation, then we will become insecure, and we will also have psychological fear and fear of the unknown, so the risk of things will be higher than that of individuals. For example, for an investment genius like Buffett, the risk degree of the fund is relatively low, but for an investment white, then he will feel that the risk degree of the fund is relatively high. Therefore, the risk of the fund has a lot to do with our personal attitude towards risk.

second, which is more risky, funds or stocks?

Generally speaking, the risk of stocks is greater, mainly due to the following reasons:

1. Fund managers are responsible for managing investments, which are more professional and supported by professional teams for tracking and research, so the investment decisions of fund managers are more rational.

2. As for stocks, most of them are invested and traded by us personally. Most stock investors don't have professional knowledge, and their professionalism is not strong. Their investment decisions tend to be emotional and they will blindly step on the pit.

3. The fund is a combination of various wealth management products, and the risks are relatively dispersed. It will not affect the overall situation because of the decline of a wealth management product, and it will have a risk hedging function. But the stock is relatively single. Once the stock price falls, it will lose money and the risk will be concentrated.

Although the risks of funds are generally lower than those of stocks, the risks of different types of funds are different, and some funds are still very risky. We should consider them comprehensively when investing, and we should not make blind decisions.

How do retail investors reasonably use

The 5-day moving average refers to the average transaction price or index of a stock for 5 days, which corresponds to the 5-day moving average of the stock price and the 5-day moving average of the index (5MA). The moving average is actually the abbreviation of the moving average index, which is an important indicator reflecting the price trend. The high and low points formed by the trend operation are pressure points and support points respectively, which has important reference significance for investors' trading points.

an important trend line of the short-term trend of the 5-day moving average stock market, the stock price above the 5-day moving average is bullish in the short term, so you can buy (don't chase after the high), and the stock price below the 5-day moving average is bearish in the short term, so you can follow it. When the stock's 5-day moving average crosses the golden fork formed by the long-term moving average, it is a buying signal, and when the stock's long-term moving average crosses the dead fork formed by the 5-day moving average, it is a selling signal.