Some netizens asked - "If I buy a fund with 200,000 yuan, but the net value drops sharply, will I lose all my principal?" Recently, the fund has become a popular choice among relatives, friends, classmates and colleagues. One of the hottest topics in the world, I believe you will also find that friends or colleagues around you have begun to buy funds.

More and more people are willing to directly divide their original deposits to buy funds, especially in 2020, when funds are very popular and many people have earned huge returns. Even so, Some people still lose money, especially investors who only entered the market to buy funds in 2021. They basically entered the market with full expectations, but the fact is that they are a bit helpless.

In fact, although the risk of buying funds is lower than that of stock trading and futures trading, it is still risky financial management, and it is impossible to make a profit without losing money. Therefore, you should still treat it with caution when investing in funds. After analyzing your own asset status and the specific risk value of the fund, choose the most suitable fund. So, if the net value of a fund drops sharply, will all the principal invested be lost?

1. Under normal circumstances, funds will not lose all their principal

When buying a fund, if you operate it improperly, you will suffer losses. For example, you will lose money when the fund is at a high level. When you enter the market and buy, once the fund peaks and falls, the net value will naturally retrace, resulting in a floating loss of funds to buy the fund. After 2021, many funds have fallen from highs, causing the losses of investors who had originally bought. Earnings have been retracted, and the retracement has generally exceeded 10%. Investors who entered the market later almost all started to fall into the depression of losing money as soon as they entered the market and experienced making money.

However, having said that, although there are times when funds draw back or have a sharp drawdown, the magnitude of the drawdown has a certain limit, and the magnitude of the drawdown will also be different for different types of funds. Therefore, , for funds that have withdrawn in hand, we still need to treat them differently. If you are based on long-term investment, don't be too obsessed with short-term withdrawals.

After all, no matter how sharply the net value of a fund plummets, it will never fall to a negative number. The first thing that can be determined is that after investing in a fund, even if it suffers a loss, there will be no rebate. When liquidation conditions are met, liquidation will be forced. The funds that investors can get back are the funds that can be obtained corresponding to the shares in their hands. Therefore, the fund will not lose all the principal invested. In other words, Improper operation of the fund may result in serious losses, but it will not result in a total loss of the principal. In the end, a small part of the principal will still be obtained. What needs to be emphasized is that the funds mentioned here are public funds. If they are private equity funds, the principal will not be recovered due to the "explosion" of the invested projects.

2. How to operate without losing money easily?

(1) Equity funds are not suitable for short-term investment

Many stock and index funds are equity funds. Among the investment targets of the fund, equity assets account for The ratio is very high, causing relatively large fluctuations in the net value of the fund. If it is only held for a short period, it is likely that the net value will continue to decline during the holding period. Instead of being unable to obtain income, it will suffer a large loss. Generally speaking, funds with higher risks and less stability are more suitable for long-term fixed investment and long-term holding, because in the long run, the probability of realizing investment expectations is relatively higher.

(2) Fund investments must also be allocated reasonably

There are many types of funds themselves, and different funds have different risk coefficients. Generally, currency funds belong to the low-risk category, and bonds Funds fall under the medium-low risk category, while hybrid funds and equity funds fall under the medium-high risk category. Based on the different risk coefficients, their expected returns range from low to high.

To put it simply, if you encounter a loss when buying a fund, whether it is 200,000, 20,000, or 2 million, you will not lose all your principal. However, having said that, although the fund You will not lose all your principal, but if you do not make a reasonable allocation in fund management, you may suffer larger losses. Therefore, you must have a full understanding of the funds you intend to buy or have already bought. .