When the financial crisis comes, the prices of various assets will drop sharply, and investors will withdraw their funds when they panic. At this time, financial assets will face the risk of bank run, which will affect the liquidity of money and the money fund will also be affected.
Another risk is huge redemption. When there is a huge money fund redemption, the fund manager has to sell the bonds that are about to expire, or even "sell at a loss" at a lower price to deal with the redemption. Once the selling price is too low, there may be fund losses.
There are many types of funds, but they can be roughly divided into four categories. The risk from low to high is: money fund, bond fund, mixed fund and stock fund.
The fund connected with Yu 'ebao or change link is the money fund, which is the lowest risk, and you can see the income of 10 thousand every day. If you are a conservative investor and can only bear the risks of money funds, then you should take your risk tolerance as the standard, and don't buy hybrid funds and stock funds that may lose money at any time, or even bond funds with positive long-term returns.
When choosing a fund type, it is best to know your risk tolerance first, so as to avoid anxiety symptoms in case of loss, which will affect your work and life.
Buy government bonds. National debt is endorsed by the central government, which has high security and is the most stable financial product. Although there is no threshold for investors to buy government bonds, it is more difficult and the period is longer. Every time the bank sells government bonds, there is a long queue early. If you buy it, you should say with a smile. If you can't buy it, you can only come next time. Therefore, although the national debt has a high interest rate and a low threshold, it is more difficult to buy.
Buy the bank's wealth management products. Although there are problems with wealth management products, they will not be paid as hard as in the past. However, the risk of wealth management products issued by big banks themselves is extremely small, because there is basically no big problem in investing in the interbank lending market and bond market. What's more, it is impossible for a large state-owned bank to go bankrupt in China. As long as big banks don't go bankrupt, the low-risk wealth management products issued by big banks are guaranteed.
Look at the risk first and choose the risk target that suits you (mainly through risk tolerance assessment to understand your risk preference and investment experience).
Second, look at the size of assets. If the scale of the fund is too large, it needs to be considered in many aspects, its operation is inflexible, its income is not high, but it is relatively safe; Smaller ones have greater flexibility, higher risks and higher returns.
Third, look at the rating. Generally, funds are rated by specialized investment companies-the more stars, the better.