Generally speaking, the fund will not lose money, and it will not deduct money if it loses money. Funds generally do not lose money, so there is no case of money being deducted. Because funds generally don't invest with leverage, and no matter how stocks fall, they generally don't fall to 0.
After investors buy a fund, they all hold the corresponding fund shares. The rise and fall of the fund is the rise and fall of the net value, and the rise and fall of the net value does not affect the number of investors' shares.
Theoretically, there is a risk of total loss of principal in stocks, such as bankruptcy of companies. However, fund products are different. Even for stock funds with stocks as the main investment object, there is no risk of total loss of principal under normal circumstances.
First of all, we must understand that funds are a more friendly investment method for people. It can be used for short-term investment when the market fluctuates greatly, and for long-term investment when the market fluctuates slightly.
Among all kinds of investment methods, the income and risk of funds are relatively moderate, but funds also have the risk of loss, especially stock funds.
If the net value of the fund continues to decline, the fund manager will take appropriate measures to stop the loss. If the net value falls to the point where it can't be saved, once the fund liquidation standard is reached, the fund manager will also announce that the fund has been liquidated.
The rise and fall of the fund net value does not affect the fund share. When investors buy fund products, they will convert the net value of investment funds and unit funds at the time of purchase into corresponding fund shares.
When the fund loses money, the fund mode can be switched. In order to meet the needs of different investment users, the same fund company will launch different fund types according to different risk levels.
If the investment fund is in a loss state at present, but there is a trend of turning losses into profits in the future, it is best to make up for the losses and increase investment. Timely stop-loss method requires investors to set a stop-loss position, that is, when a fund falls into a stop-loss position, it must be sold decisively, switched to other funds or wait and see for a while before buying.
Will the fund be deducted if it loses all its money? Theoretically, there is a risk of total loss of the principal of the stock, such as bankruptcy of the company, lock-up of the stock, inability to realize it, etc. However, fund products are different. Even stock funds with stocks as the main investment target generally do not have the risk of total principal loss.
General fund net value will not fall to 0.
If the net value of the fund continues to fall, then the fund manager will take appropriate measures to stop the loss. If the net value falls below redemption, once the fund liquidation standard is met, the fund manager will also announce the fund liquidation.
The standard of fund liquidation is that the number of fund holders is less than 65,438+000 for 60 consecutive working days, or the net asset value of the fund is less than 50 million yuan for 60 consecutive working days.
Although the fund will not run out of money, learning financial management tells you to study financial management knowledge hard and manage your finances carefully.