Investment must idle funds, never borrow money, whether it is stock trading or buying funds, perhaps speculating in futures, borrowing money to invest is a taboo; For example, it is wrong to buy a fund with a loan, which is equivalent to doubling the risk of buying a fund. If you invest in a fund like this, there is a 95% chance that it will end in failure.
First, let's calculate a sum of money. The self-owned fund is 300,000 yuan, the loan fund is 6.5438+0.5 million yuan, and the total fund is 6.5438+0.8 million yuan. If all investment is made, the fund will lose 6.5438+0.8 million yuan, down 20%, and its own principal will be 300,000 yuan, even losing tens of thousands of loans. Is it an irrational investment?
Then from the perspective of funds, there are many types of funds, and different funds have different risks; Stock funds, money funds, mixed funds, index funds, open-end funds, etc. No matter what fund 654.38+0.8 million bought, it is a wrong and irrational investment.
Indexed securities investment fund
If 6.5438+0.8 million yuan is used to buy index funds, the risk of buying index funds is also great. Although index funds have no leverage function, their volatility is relatively large, which leads to an increase in profit and loss.
For example, 1.8 million yuan bought the Shanghai and Shenzhen 300 Index Fund. When the stock market fluctuates, the trend of these index funds also fluctuates. Maybe it loses hundreds of thousands a day, and of course it is easy to earn hundreds of thousands a day, but in the end, no matter how it is tossed, the probability of losing money is particularly high, and it is wrong to borrow money to buy index funds.
Monetary fund
Money fund is a low-risk and low-return investment, but this kind of investment is only suitable for some idle funds, that is, it is unrealistic to use this money to buy money funds temporarily, and it is unrealistic to really want to get high investment returns if you want to eat a little interest.
Similarly, the current annualized rate of return of the Monetary Fund is only 1.5%, which is too low. If you use 1.8 million to buy a monetary fund for one year, it is not enough to pay the loan interest of 1.5 million. This investment is absolutely wrong, and it is a loss-making investment. Very irrational.
gather
From the above analysis, we know that if the loan is 6.5438+0.5 million and the self-owned fund is 300,000, we can get the truth by analyzing the actual cases of index funds and monetary funds. This kind of investment is too risky and irrational, because the investment risk is too high and the return rate is too low. Please stay away from loan investment.