As long as the fund company does not liquidate and continue to hold positions if the fund falls, the capital will be recovered one day. It is just a matter of time. On the contrary, if the fund falls to a certain level, the fund will recover its capital. The company carries out liquidation operations and returns the amount converted from the net value before liquidation to investors. In this case, investors may not be able to get their money back.

Fund, in English, is fund, which broadly refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds.

From an accounting perspective, funds are a narrow concept, meaning funds with specific purposes and uses. The funds we mention mainly refer to securities investment funds.

According to different standards, securities investment funds can be divided into different categories:

(1) According to whether fund units can be added or redeemed, they can be divided into open-end funds and closed-end funds. type fund. Open-end funds are not listed for trading (it depends on the situation). They are purchased and redeemed through banks, securities firms, and fund companies. The fund size is not fixed; closed-end funds have a fixed duration and are generally listed and traded on securities exchanges. Investors pass Fund units are bought and sold in the secondary market.

(2) According to different organizational forms, they can be divided into corporate funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; it is established by a fund manager, a fund custodian and an investor through a fund contract, which is usually called a contract fund. my country's securities investment funds are all contract funds.

(3) According to different investment risks and returns, they can be divided into growth, income and balanced funds.

(4) According to different investment objects, they can be divided into four categories: bond funds, stock funds, currency funds and hybrid funds.

Operational skills

First, watch the market outlook before operating

The income from fund investment comes from the future. For example, if you want to redeem a stock fund, you can first watch Let’s look at whether the future development of the stock market will be a bull market or a bear market. Then decide whether to redeem or not, and make a choice about the timing. If it is a bull market, you can hold it for a while to maximize returns. If it is a bear market, redeem it early and be safe.

Second, convert into other products

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as: converting stock funds into currencies fund. This can reduce costs. The conversion fee is generally lower than the redemption fee, while the risk of money funds is low, equivalent to cash, and the income is higher than current interest. Therefore, conversion is also an idea of ??redemption.

Third, regular fixed-amount redemptions

Similar to regular investments, regular fixed-amount redemptions can be used for daily cash management and can also calm market fluctuations. Regular fixed-amount redemption is a redemption method that matches regular fixed-amount investment.