Nowadays, many people buy funds. Is it better to invest more in buying funds? The answer is no, just like investing in stocks, investment funds are not necessarily better if they invest more. The fund is risky, not a capital preservation investment project. Once the invested fund does not perform well, the more you invest, the more you will lose. Choosing a fund requires a certain degree of professionalism

Investment funds can not make money lying down, as some investors think, but need a certain ability of analysis and judgment. Starting from their own risk tolerance, they can select the types suitable for individual investment from various types of funds, and then choose a fund worth investing in through historical performance, investment strategy and concept, investment manager level and other aspects. The more funds you hold, the more time and energy investors spend in early selection.

Money funds and bond funds have low returns because of their low risks. Excessive investment in these two kinds of funds will affect the long-term returns; However, due to the high risk of stock funds and hybrid funds and the uneven level of fund managers, according to historical statistics, the proportion of long-term outperforming the index is not high.

Therefore, if investors have no investment ability at all, or have no time to study and analyze, they are likely to choose funds by luck. Once they fail to vote for the right target, they will be easily trapped. Sufficient living costs need to be reserved outside investment

Investment and financial management need to be rational, and personal actual economic situation should also be taken into account. Nowadays, the pressure of life is relatively high, and everything needs money for food, clothing, housing and transportation. If you are too eager to invest in various funds, stocks or other products, it may lead to inconvenience in life.

For example, investors invest more than 8% of their available funds in funds, stocks and other products. In case of urgent need for liquidity at home, they will face the crisis of disjointed capital flow. Even if they can immediately trade for liquidity, the yield of this part will be very low, even worse than that of liquid wealth management products. Investment funds need to pay attention to concentration risk

Some investors think that the fund is a portfolio of assets invested in different stocks, and the risk has been greatly reduced, so you don't have to worry about dispersion risk, and it won't be too risky to buy more, but the trend of the fund will be affected by extreme market fluctuations and liquidity risks. When the market environment is not good, the overall risk of the fund is also great.

At the same time, when there are risks in the industry sector, there will also be great risks in the funds of a certain industry, which does not mean that investment funds can be left alone, and some funds are even more risky than stocks.

To sum up, the fund investment is not that the higher the investment amount, the better. The specific investment ratio needs to be considered according to the personal income, savings and daily expenses of the family. Only the investment plan that suits you best is a good investment plan. When making financial plans, we should have our own investment ideas, not just listen to other people's suggestions.