20 16 1 1 ranking of equity funds How long does it take to redeem equity funds?
Risks of stock funds:
Equity fund is one of the fund types with the highest expected annualized expected return and the greatest risk, but it is easy to ignore its high risk. More than 60% of the fund assets of equity funds are invested in stocks, and its high risk directly comes from the fluctuation of the securities market, and the fund manager's ability to operate and predict and analyze also greatly affects the performance of equity funds.
When the market enters a bear market, fund managers will throw out their stocks at the stop-loss point for the first time, effectively avoiding risks, but at the same time, due to the minimum position requirements of stock funds, fund managers must keep the investment share of stocks in fund assets at least 60%.
This requires fund managers to make judgments and choices in a short time and invest their assets in stocks that can still maintain strong resilience during the downturn. It can be seen that the ability of fund managers also affects the performance of funds to a certain extent.
Loss of equity funds:
You know, funds are different from stocks. The fund is an investment fund that invests in stocks, and the stocks invested are not single. So the risk is dispersed to some extent. And the fund is a long-term investment.
Has the equity fund lost its principal? Of course not. Without liquidation, the principal will not be completely lost, that is, during the bear market, the net value will rise and fall, and the net value of the fund will be calculated at four decimal places. At the same time, after you buy the fund, the expected annualized expected return will be calculated according to the share you bought, and the share will remain unchanged, so you won't lose all.
How to control risks and obtain stable expected annualized expected returns?
1, diversification. According to their own risk tolerance, make portfolio investment in money funds, bond funds and stock funds;
2. According to the market trend, carry out the phased conversion of fund varieties. If the stock market rises to a certain extent and the risk is high, equity funds can be converted into bond funds; When the stock market turns from weak to strong, bond funds can be converted into stock funds.