All financial management methods have advantages and disadvantages, and funds are no exception. Not everyone is suitable for investing in funds. Who is suitable for buying funds? Why don't rich people buy funds? The following small series analyzes why rich people don't buy funds:

Some people never buy funds because:

1. For conservative investors, "buying funds" means losing money, so they are more willing to save their money for a while and buy government bonds because they trust banks and countries more.

2. For active investors, they don't buy funds because they feel that funds can't experience the fun of buying and selling stocks themselves, and that the income of funds is not as fast as that of stocks, so they are more willing to operate by themselves than fund managers.

Why don't rich people buy funds?

Reason one: conservative investors.

If you are a conservative investor, you will think that the fund is a risky investment. If the market is not good, you may lose money, so you will not choose to buy a fund. Priority will be given to bank time deposits when choosing.

Although the liquidity of bank time deposits is not good, and there is a time limit, the funds in them are guaranteed capital and interest, followed by structured deposits, which are also a kind of deposits. They will be welcomed by conservative investors, and the funds are risky, so they will not choose, for fear of losing the principal.

Reason 2: Aggressive investors

If you are a radical investor, you will generally think that the risk and income of the fund are not as big as that of the stock market, so you will not buy the fund, but will choose to put the funds in the stock market for speculation, because the price of the stock is generally higher than that of the fund, and you will earn more when the market is good, but at the same time the risk will increase.

Reason three: investors who know the stock market.

Investors who know the stock market have a certain basic knowledge of stock trading and a deeper understanding of stocks. When managing money, they prefer to operate by themselves rather than fund managers, thinking that it is faster to get money from stock trading.

When buying and selling funds, we should pay attention to the risks of funds. If you can't take risks and are a conservative investor, it is generally not recommended to buy funds. Secondly, if you want to pursue higher returns, you can choose the stock market, but the risk of the stock market is great, so you should be cautious in stock trading.

Who is suitable for buying funds?

1, wealth management white

The fund is managed and operated by professional fund managers, and investors are not required to have a good reserve of the basic knowledge of the fund and observe the recent market conditions at any time.

2, the risk tolerance is small.

The fund will hand over the raised funds to professional fund managers who invest in a basket of stock markets. Generally, the risk is relatively small and the income is relatively stable, which is suitable for investors with low risk tolerance.

3. There are idle funds.

The best way to invest in a fund is to invest with your spare money. As long as you invest in financial management, there will be certain risks. Even if you lose money, it will not affect your life.

4. Office staff

Office workers generally don't have enough time to observe the market, and buying funds is more time-saving and labor-saving. You can set the automatic deduction of fixed investment time through fixed investment, as long as the balance of deduction position is sufficient.

5. Small investors

The investment threshold of the fund is relatively low, especially the capital requirement is not high, which is suitable for small investors to trade.

Why don't rich people buy funds?

1. Investment with higher return

Generally, the rich prefer to invest in some high-yield projects, such as direct investment in real estate, equity, enterprises and so on. High returns and dividends. The income of these investment methods is much higher than that of funds. However, investing in these projects requires investors to have strong market analysis ability and industry knowledge of investment targets.

2. The operation is opaque and information cannot be obtained.

Fund companies generally only publish some details of their positions, and the information disclosure is incomplete. It is difficult for rich people to get the information they want, so they will not choose fund investment.

3. High risk tolerance.

Rich people generally have higher risk tolerance and better asset allocation ability, and may be more inclined to invest in wealth management products with higher risks and higher returns.

4. The fund is more formal.

The operation of funds is regulated by strict rules, but the rich generally prefer to control their investment direction and invest freely.

Who is suitable for buying funds?

However, playing cards is not investment after all. The reason for the change is that on the one hand, the focus of work has shifted, and I don't have the conditions to stare at the game as before; On the other hand, after the bull market of 15, the investment concept has changed.

As for why it is so difficult? I thought about it, and it may be caused by these reasons.

What variety to invest in depends on which variety to contact first.

When I was a junior, I opened a stock account. There was no real trading, and my knowledge was very limited. Naturally, I didn't have any idea about stock selection at that time. The first stock I bought was randomly selected, and it went up by about 6%. As a result, the daily limit was closed on the same day and the daily limit was 8% the next day. On the third day, I bought 654.38+ million yuan, and earned nearly 2000 yuan in three days.

Just because I got in touch with stocks first and made money, I was not interested in other investment varieties. As the saying goes, I make money within my own cognitive range.

I leaned over, and the "she" in my wife's mouth was our familiar friend. In the circle of friends, I showed the yield of stocks last year. I looked at it, and the yield for half a year was about 32%, and the yield for the whole year last year was 20%.

That is to say, in the first half of 20 years, her stock account as a whole lost money. Finally, in the second half of 20 years, her faithful wife could not conceal her joy through the market.

Because of the good relationship, my wife called her to chat, and the acquaintances came straight to the point without unnecessary greetings. My wife first congratulated her on making money in the stock market. She also exchanged investment experience with her wife and expressed envy for the fund's profit this year. But when his wife asked her why she didn't buy a fund, she answered three words: boring.

In fact, there are many investors around you and me, who have been groping in the stock market for a long time. What's more, they gave their time and energy to the stock market, which even affected their work. In the end, few people make a profit.

Therefore, some people questioned why they didn't buy a fund. Stock trading is so tiring and risky. Anyway, they are all investing in stocks. Is it so hard to change?

Yes, it's really difficult, not ordinary. At least it took me more than three years to become a citizen from a shareholder, and I once found the fund boring.