Although the risk of funds is less than that of stock trading, it does not mean that all funds are low-risk. For ordinary individual investors, if they don't master some basic knowledge of fund financing, they are likely to suffer investment losses. For example:

1, the right fund will not be selected.

There are many kinds of fund products, which can be divided into money funds, bond funds, stock funds, mixed funds and index funds according to different investment targets. Among them, the risk levels of the latter three are relatively high, and most of them belong to medium and high risks, which are not suitable for stable investors to buy.

Therefore, when choosing fund products, we should not only pay attention to the expected rate of return, or follow suit at will. It is very important to choose the fund types and products that match your risk tolerance.

Step 2 chase up and kill down

Many investors follow the stock investment law when buying funds, that is, chasing up and killing down. Seeing the increase in the net value of the fund, I bought a heavy position and even bought a fund with a rapid daily limit. On the contrary, seeing the fund's net value fall, it began to redeem in large quantities.

This fund operation of chasing up and down is prone to losses. Of course, this does not mean that the fund can be ignored after buying, and it is necessary to set a reasonable stop-loss and profit-taking point.

3. Single investment

Some investors even buy one fund, or buy more funds of the same type and company, which makes it impossible to spread risks.