The reason why ordinary people are not advised to buy funds is because some people don't know about funds and won't choose a fund that suits them. If they buy blindly, they may increase their losses. There are many types of funds, which can be divided into money funds, bond funds, stock funds, mixed funds and index funds according to different investment targets. Investors should choose the appropriate fund type according to their risk tolerance.
For example, investors don't want to take great risks, and when the money will be used is uncertain, so they can consider money funds or pure debt funds, because money funds mainly invest in money, while pure debt funds invest in bonds 65,438+000%, and neither of them invests in stocks, so the risk is small and the income is relatively stable.
In addition, if you want to pursue returns and take risks, you can consider some high-risk fund types, such as stock funds, hybrid funds and index funds. These high-risk fund types basically invest in the stock market, and if the market is good, the income earned is also considerable.
Secondly, some investors like to wait and see when buying funds. The fund has gone up, and they have to observe it for a while. When it rises to a certain high level, they will be more optimistic about the fund and like to chase after it. Then it is easy to lose money. Therefore, it is generally recommended that ordinary people must know something about the Alipay fund before buying it.