Generally speaking, there are different types of funds. For some money funds, the risk is very low and it is almost impossible to lose money. But his income is also very low, so if we want to take lower risks, then buy a money fund. Whether the money fund is bought by a novice or an old hand, we can basically ignore the buying and selling points. As long as you hold it for a long time, you can get enough income, and its income will only fluctuate in a small range. Although there is a possibility of loss, it is extremely low.
For bond funds, both novice and experienced buyers may lose money, but generally speaking, even if they lose money, they will not lose a lot, and the probability of turning losses into profits with their long-term losses is still great, so try to choose a fund that suits them. Many friends actually don't have such high risk tolerance, but they choose stock funds, but they don't know that bond funds are suitable for them.
If it is a stock fund, the probability of novice losses is very high, because even for a period of time, stock funds have been rising, novices don't know how to take profits, or novices may make chasing up and killing down. These behaviors are the main reasons for our losses on the investment road. So we should learn as much as possible before entering the market.
In addition, because the novice may not master the fund-related knowledge well, he will also lose money. We should try our best to improve our understanding of the fund, strengthen our understanding of the fund, and try our best to restrain our greed on the road of investment, so as to ensure that the principal will not be lost and get good returns as much as possible. This requires us to know enough about the fund before buying.
Therefore, for most beginners, you can try to buy a small amount of money funds to experience the trading mode of such funds, and then buy a small amount of bond funds and stock funds to see your risk tolerance, so as to ensure that you always remain rational on the road of fund investment, so as to ensure that the probability of loss is reduced and the probability of making money is increased.