First of all, the fund is an indirect investment method. The fund itself is not an equity certificate. It is actually just a way of collective investment. After we buy the fund, the fund manager will pool everyone's money to invest in the fund. We usually invest in funds that invest in stocks. The rise and fall of the fund is directly related to the strength of the stock market.
Second, the rise and fall of fund net value is related to the rise and fall of stock market. Different funds are not exactly the same as the market because of different investment targets. We assume that the fund we bought is the same as the market, so even if the market drops from 5000 to 2000, the decline is very tragic, with a drop of only 60%. Even if you buy a fund of 65438+100000, you still have 4000 yuan, and you won't lose money.
Third, the fund not only has the indirectness of investing in the stock market, but also has the dispersion of risks. The market value of a company purchased by the same fund cannot exceed 65,438+00% of the fund assets. Therefore, even if one of the top-ranked awkwardness stocks held by the fund is delisted, if the other stocks do not fall, the net value will only lose 10%. If this heavy stock falls by 10%, other stocks will not fall.
Fourth, different funds have different styles and obvious performance differences. Index funds are investments that track the target index, such as the Shanghai and Shenzhen 300 Index Funds. If the index falls by 20%, it will generally lose about 20%. Moreover, there are theme-based or industry index-based funds, so the market may not have fallen much, but the industry sector has plummeted, and the corresponding funds have fallen much more than the market, but at the same time there may be a situation of rising against the trend. Some funds are active funds, and there are no restrictions on the investment industry, so fund managers will adjust their positions themselves, so the performance of funds depends on the investment level of fund managers.
Generally speaking, the fund will not lose money, but Public Offering of Fund also has a liquidation mechanism, and Public Offering of Fund has three conditions to trigger liquidation:
1. The number of fund share holders is insufficient for 60 consecutive days 100.
② The net asset value of the fund has been close to or below 50 million yuan for 60 consecutive days.
3. When the fund is lower than 0.3 yuan, it will automatically enter the liquidation procedure.
Liquidation is not a loss, but the dissolution of the fund, liquidation according to the assets at the time of liquidation, and then return the funds to the fund investors.
In fact, if the cycle is lengthened, most Public Offering of Fund will be profitable. If they only enter the market when the stock market is hot, someone may just buy at a high point, and then they are trapped. Then some funds can't stand less and less money and will eventually leave at a low point. After that, the stock market improved and the funds rose again.
Therefore, for beginners, it is best not to blindly buy funds at one time, especially when the market is excited. Seeing that others have made money by buying funds, it is easy to follow suit and stand guard. The reasonable way is to find a fund with excellent long-term performance, and then buy a fixed sum every month or week through fixed investment, so that the risk of market fluctuation can be effectively smoothed regardless of the ups and downs. Even if you insist on a fixed investment when the stock market falls, as long as the stock market turns from falling to rising, your cost will become very low, and you will soon get rid of it and start making money.