Many people ask that buying foundation won't cost them everything. In fact, buying a fund will not lose money. Unless it is a lever, it will lose everything. The following is the purchase basis brought by Bian Xiao. You can refer to it I hope it will help everyone! Welcome to read!

Buying foundation won't ruin you?

1. Equity funds face the risk of principal loss because they are not capital preservation funds;

2. As far as the current stock market is concerned, some stock prices fluctuate abnormally, reaching about 50%, which means that the decline of stock funds may also reach 50%;

3. The biggest risk is the loss due to the stock market crash or stock delisting; However, this is basically impossible. First of all, the safety of professional institutions is relatively guaranteed. Second, hedging the risk of multiple stocks should not be a problem.

When many investors see that their stock funds have been falling, they will be at a loss and have the third psychology of issuing "stock funds".

In fact, looking back at the historical trend of stock markets around the world, there is a so-called time interval for stocks to continue to fall. No stock will fall forever, just "if it rises for a long time, it will fall, and if it falls for a long time, it will fall." When the general stock funds continue to fall at a certain stage, it is also a severe test for investors' psychology.

Investment is risky and financial management needs to be cautious. If you are just beginning to understand the fund, you'd better learn the basics or Xiaobai financial training camp first, don't buy the fund blindly, and then pay attention to finding a formal company to study, such as (Golden Key Business School).

Why not lose everything?

Theoretically, only when the net value of the fund is 0 yuan will the principal be lost, but the net value of the fund will not be zero. Because the net value of OTC funds is very low, the fund company will convert the fund share;

When the fund meets the liquidation conditions, it will face liquidation, and there will be some residual principal after liquidation.

The floor fund is composed of many stocks, so there will be no delisting of the floor fund. Assuming that a fund is liquidated and delisted in the future, part of the principal after delisting is desirable.

It depends on what kind of fund you bought at that time, to judge whether you can return the capital after the loss. Can be combined with the following situations to judge:

If you hold a bond fund, you should be able to return to your capital after holding it for a period of time, because the risk and fluctuation of the bond fund are relatively small and the return to your capital is relatively fast.

If you hold a stock fund or a partial stock hybrid fund, it depends on a recent market trend and the stock held by the fund manager. This kind of fund is like a stock. If the fund manager sets foot on the track, he can not only recover the funds quickly, but also make a lot of money. On the contrary, the loss is more serious. Of course, these funds need to be analyzed in combination with the overall market situation.

All investments need methods, and there is not only one form of investment. As an investor, you must choose a fund according to your risk tolerance, and you can also invest through scientific allocation instead of buying only one type of fund.

What should we do when the fund is quilt:

1. Complement.

Investors can make up their positions in the process of fund decline and share the cost of holding positions by increasing their holdings. The common method of covering positions is fixed investment, that is, investors set the daily buying amount, buying time and automatic buying.

2. Hold your ground.

Holding a position is a passive investment method, that is, after the fund falls and investors are trapped, investors are worried that operational errors will bring greater losses, so they hold positions, wait for the net value of the fund to rise above the price at the time of purchase, and sell the fund to achieve the purpose of liquidation.

3, high throw and low suction

Investors can also sell high and sell low, that is, investors sell some funds during the decline and rebound of funds, and then buy some funds in the process of continuing to fall after the rebound of funds to earn the rebound difference, thus reducing the overall loss of investors. This method requires higher investors. Once the forecast is wrong, it may turn into a situation of high selling and low selling, thus increasing the losses of investors.

Step 4 make a conversion

Investors can convert the fund into a relatively strong fund during the decline of the fund, and make up for the losses by increasing the fund after the conversion.

Step 5 cut the meat

Cutting meat means that investors sell their shares in the process of fund decline and get out. This situation generally occurs when the performance of the fund deteriorates, its trend may continue to decline, and there is no hope of rising and rebounding. When the investment is worried that the decline in net worth will bring more losses, the fund will stop.

The fund will be liquidated under the following circumstances:

1, closed-end fund expires. Closed-end funds generally have a duration, and they will be liquidated if they do not extend their duration after expiration.

2. Open-end funds meet the liquidation conditions. Open-end funds will be liquidated if they meet the following conditions: first, the net value of the fund is less than 50 million for 20 consecutive working days, and second, the number of fund holders is less than 200 for 20 consecutive working days.

3. The scale of new fund raising is not up to standard. In the initial public offering, there is a minimum scale, generally 50 million. If it does not reach the scale, it means that the fund has failed to issue and needs liquidation.

Buying foundation on Alipay won't ruin you.

It is ok to buy a fund on a regular platform, but it doesn't matter what platform you buy if you lose money, it mainly depends on your fund type.

Fund products on the market now can be divided into many categories. According to the investment object, it can be divided into stock funds, bond funds, money market funds and futures funds. Different fund products have different returns and risks.

Because of the influence of the stock market trend, stock funds fluctuate greatly and have great risks, and it is indeed possible to lose all their money.

Bond funds mainly invest in government bonds issued by the state, financial bonds issued by financial institutions and corporate bonds issued by central enterprises and state-owned enterprises. Therefore, the risk is relatively small, generally not losing money, but the income is relatively low.

Money market funds mainly invest in short-term monetary instruments, such as bank time deposit certificates, government short-term bonds, corporate bonds, commercial papers and other short-term securities. Therefore, the income of money market funds is relatively stable, and usually there will be no loss of money unless there is a big turmoil in the financial market.

As for futures funds, because of the futures margin system, the margin of 20,000 yuan to 30,000 yuan can be used to trade futures contracts of 200,000 yuan to 300,000 yuan, so the risk is quite high, and it is possible to lose everything.