It depends on what kind of fund you invest in. If it is a stock fund, the annual income of 20-30 is no problem when the market is good and affordable. For example, the income of equity funds in this quarter is basically around 25%, and it is normal to lose 30% in a bad quarter. So it is difficult to determine the income under normal circumstances, but under normal circumstances, that is to say, it is not in a bull market or a bear market. If you invest for about 5 years, the average annual rate of return is above 10%. If you choose a bond fund, the annual income is basically around 5%. If the market is bull or bear, it is 5%. In short, their income and risk are corresponding, with high risk and high income. However, stock funds suggest choosing the right time to enter, for example, don't buy funds at the end of the year, because everyone is making reports, and they basically can't go up, but they will start to fall after the end of the year. In fact, it is best to buy funds in the second half of the year.

The trend of the fund is basically consistent with the broader market. If the market is in a bull market and keeps rising, then funds will generally rise with it, but at different rates; If the market is in a bear market and has been falling, then the fund will generally fall with it, but the extent of decline is different; If the market fluctuates, then the fund will definitely go up and down, but not too much. When I say fund, I mean stock fund or partial stock fund. If it is a money fund and a bond fund, that is another matter. Money market funds do not promise that the principal will not lose money at any time, nor do they guarantee the minimum rate of return.

Money market funds can only suffer principal losses. Generally speaking, the market yield rises sharply in the short term, which leads to a sharp drop in securities prices; At the same time, a large number of money funds were redeemed, and bonds with falling prices could not be held at maturity, resulting in actual losses after selling bonds.

The probability of a money market fund losing its principal in one day is very low (0.06 1 17%). If you hold it for a week or a month, the probability of principal loss is close to zero. With the extension of holding period, the probability of loss caused by market risk will be very low.