Generally speaking, financial institutions will have an expected rate of return on sound financial management, but it must not be interpreted as a fixed interest rate of banks. This expected rate of return does not represent the specific rate of return. The expected rate of return is only expected, and the wealth management income will change every day for reference only.
For example, a wealth management product of a bank belongs to stable wealth management, and its expected rate of return is 4%, so such an estimate of 4% is actually meaningful, but it is actually vague and may fluctuate around 4%.
Therefore, we must be cautious in purchasing sound financial management from financial institutions. Financial management has certain risks, but when choosing, you can look at the investment objectives of financial management and refer to a past profit situation. Although the past does not represent the future, it will have certain reference value.
What if the fund closed for one year loses 15%? If the fund loses 15% after being closed for one year, it is necessary to distinguish whether the fund has fallen to a low level at this time and whether it is possible to fall again. If you have fallen to a low level, there is no reason for the fund itself. It may be because the market is in a downturn and most funds are falling. If investors take a fancy to this fund and feel that there is a rising probability, they can hold the shares to be increased without redemption.
Then, if the fund director's operational error leads to the fall of the fund director, or there is a problem with the investment target, then you can choose to redeem it. If the fund head rose very high before, and now it has fallen 15% is still at a high level, and there is still a downward trend, then redemption can be considered.
However, it should be noted that closed-end funds cannot be redeemed during the closed period, that is to say, if they want to be redeemed, they must wait until the redemption period expires or they are open to the outside world. Because the phenomenon of each fund is different, when analyzing the fund, we should analyze it according to the phenomenon of buying the fund ourselves, and then think about whether we need to own this fund from all angles.
In addition, closed-end funds are still risky, and the fund with a closed period of one year is very long. Of course, if you want to increase your shareholding, you must think carefully, because the fund cannot be redeemed during the closed period and its liquidity is not very good.