If the fund keeps falling, the principal will not be lost, mainly because:

First of all: Theoretically, only when the net value of the fund is 0 yuan, the principal will be lost. However, the net value of the fund will not be 0. Because the net value of the OTC fund is very low, the fund company will convert the fund shares;

Secondly: when the fund meets the liquidation conditions, it will face liquidation, and there will also be a part of the remaining principal after liquidation.

Finally: On-exchange funds are composed of many stocks, so on-exchange funds will not be delisted. Assuming that a certain on-market fund is liquidated and delisted in the future, a portion of the principal will still be available after delisting.

After investors purchase a fund, they should try to focus on long-term investment. If they redeem it as soon as it loses and subscribe for it as soon as it rises, it will be easy to chase the rise and kill the fall, and finally get trapped in it. If you feel that the risk of a one-time purchase is high, you can try fund fixed investment. Fund fixed investment is a fixed-time, worry-free investment method, which is similar to a bank's small deposit withdrawal.

Fund, in English, is fund, which broadly refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds.

From an accounting perspective, funds are a narrow concept, meaning funds with specific purposes and uses. The funds we mention mainly refer to securities investment funds.

According to different standards, securities investment funds can be divided into different types:

1. According to whether fund units can be added or redeemed, they can be divided into open-end funds and closed-end funds. fund. Open-end funds are not listed for trading (it depends on the situation). They are purchased and redeemed through banks, securities firms, and fund companies. The fund size is not fixed; closed-end funds have a fixed duration and are generally listed and traded on securities exchanges. Investors pass Fund units are bought and sold in the secondary market.

2. According to different organizational forms, they can be divided into corporate funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; it is established by a fund manager, a fund custodian and an investor through a fund contract, which is usually called a contract fund. my country's securities investment funds are all contract funds.

3. According to the differences in investment risks and returns, funds can be divided into growth, income and balanced funds.

4. According to different investment objects, it can be divided into stock funds, bond funds, money market funds, futures funds, etc.

Operational skills

Observe the market outlook before operating

The income from fund investment comes from the future. For example, if you want to redeem a stock fund, you can first look at the stock market Will the future development be a bull market or a bear market? Then decide whether to redeem or not, and make a choice about the timing. If it is a bull market, you can hold it for a while to maximize returns. If it is a bear market, redeem it early and be safe.

Converting to other products

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into currency funds. This can reduce costs. The conversion fee is generally lower than the redemption fee, while the risk of money funds is low, equivalent to cash, and the income is higher than current interest. Therefore, conversion is also an idea of ??redemption.

Regular fixed-amount redemption

Similar to regular investment, regular fixed-amount redemption can be used for daily cash management and can also calm market fluctuations. Regular fixed-amount redemption is a redemption method that matches regular fixed-amount investment.