With people's income getting higher and higher, people are more willing to invest in the market for Qian Shengqian. Among many wealth management products, funds are loved by many investors. There are many kinds of funds, and there are certain investment risks. In this regard, some novice investors will question whether it is a loss to buy a foundation. Let's take a look at the fact that buying foundation will not lose money.

Funds can be roughly divided into the following four categories

Monetary fund

Generally speaking, there is no requirement for investment bonds. His investment products are generally short-term bonds and bonds with relatively stable bank income, so as to ensure no loss. Representative: Yu 'ebao WeChat Bitong

bond funds

Compared with equity funds, it is easy to understand that bonds account for more than 80% of investment varieties. Without well-known representatives, only those who really know what financial management is, what investment is, and what lottery tickets to buy will pay attention to such funds ~ these funds are basically annualized between 5-6%, and some special varieties are close to 8%, which is relatively safe. If you want to learn financial management, this should be the most concerned.

Stock fund

It mainly invests in stocks and bonds, but because it is called a stock fund, there is a hard requirement that the stocks it invests in must account for more than 80% of the total varieties, while the bonds must be less than 20%.

Because the main product it invests in is stocks, such funds are the most risky and of course the most profitable.

commingled funds

The general hybrid fund is a mixture of stocks and bonds. Because it is mixed, there is no requirement for the ratio of stocks to bonds. Fund managers can buy different proportions of stocks and bonds at will. For example, when the market is good, buy more stocks to get more income, and when the market is bad, buy more bonds to share risks.

Representative: 10,000 industries are optimized and mixed.

In fact, this kind of fund is very level and has many pits. E Fund is actually a hybrid fund, but because of its high stock ratio, its volatility is similar to that of stock funds, which is a double-edged sword ~

If your wind is low and you don't want to lose your principal, then you can choose a money fund.

If your wind is mild and you can bear small losses (less than 10%), then you can choose bond funds or mixed debt funds.

If your wind is on the high side and you want to get excess returns, then you can choose stock funds or mixed stock funds.

If you are a novice, frankly speaking, now is not a good time to enter the market. The current market fluctuates greatly. I don't have any firm choice about the period from March to/kloc to 0/year. At present, the operation is mainly based on band, making short-term layout and harvesting.

Why did the fund performance decline?

1, market conditions. The investment income of the fund is closely related to the market environment. If the overall market performance is poor, the prices of assets such as stocks and bonds held by the fund will fall, and the net value of the fund will also be affected, resulting in a decline in performance.

2. The fund manager's investment management ability is insufficient. Fund managers' investment decision-making and execution ability are important factors affecting fund performance. If there are problems in the investment strategy and risk control of the fund manager, the performance of the fund may also decline.

3. Improper asset allocation. The fund's portfolio contains many different types of assets, such as stocks, bonds, money market instruments and so on. If the fund makes mistakes in asset allocation and does not make correct diversification, it may also lead to a decline in fund performance.

Is it a loss to buy foundation?

There is no absolute answer to buying a foundation. Investors should pay attention to the following aspects:

1. Fund investment involves the balance between risk and return. Different types of funds have different risk levels. Usually, funds with higher risks may bring higher expected returns, but they are also accompanied by greater fluctuations and potential loss risks.

2. Investors should choose their own funds according to their risk tolerance and investment objectives. Investors should not blindly pursue high returns when buying funds. Generally speaking, the fund income is estimated according to past performance, which does not represent the actual income.

3. In order to obtain a stable income from fund investment, it is usually necessary to adopt a long-term investment strategy, such as making a fixed investment in the fund. Investors need to have a long-term investment vision, realize the compound interest effect of fund investment through time, and avoid being affected by short-term market fluctuations.

What should I pay attention to when buying a fund?

1. Understand the fund: the fund has a certain amount of assets for a certain purpose;

2. Classification of funds: funds include trust and investment funds, individual provident funds, insurance funds and retirement funds.

3. How does the fund make money: the investment direction of the fund is securities financial assets;

4. How do investors make money: hand over the money to the fund manager to invest for users;

5. How much does it cost to buy a fund? At least 100 RMB is required.

Is it a loss to buy foundation? Will the investment fund pay?

Fund is a kind of financial management method that many investors like. So, is it a loss to buy a fund? In order to answer this question, Bian Xiao compiled the following contents. Come and have a look!

For this problem, investors need to understand that any investment is risky, and funds are no exception. Theoretically, the fund may lose money. Usually, buying a fund loses money not because of the structure of the fund product, but because of the decline or loss of the target of the fund investment. In order to avoid the loss of the fund, investors should pay attention to the following matters when investing in the fund:

1, blindly following the trend is not advisable.

Usually, investors like to follow the top-ranked funds or fund managers when buying funds, but according to the data, many top-ranked funds do not perform well in the second year. Because the performance of the fund will also change according to the market. Therefore, investors should not blindly follow the trend when choosing funds, not just look at the fund rankings to buy, but also analyze the actual situation of the market.

Buy it, whether it is desirable or not.

To a certain extent, the fund needs investors to invest and hold for a long time in order to obtain considerable returns. However, many investors simply ignore it after buying it, which is very undesirable. Investors should always pay attention to the fund dynamics and continue to hold or sell according to the actual situation.

3. Full investment is the least desirable.

Some investors think they can make a small fortune when they see others buying funds to make money, so they put all their belongings into the funds. This method, if really earned, of course happy; But if you lose, it can be said to be a disaster. It is wrong to invest all your property in the fund. I hope you don't do this.