I. Systemic risks
We should know that both stocks and funds have systemic risks, which are almost inevitable, such as overall market decline, policy changes, periodic fluctuations and so on. Therefore, everyone should be psychologically prepared to buy funds. When there is a possibility of systemic risks in the overall market, it is best not to buy funds.
Second, non-systematic risk.
In fund investment, unsystematic risk is a very complicated risk, because many factors may lead to unsystematic risk, such as delisting of listed companies, credit crisis or serious losses of companies. Moreover, to some extent, although non-systematic risk can be avoided by operation, it is difficult to control, so this kind of risk is a risk that every investor needs to face.
Third, personal investment risk.
The so-called personal investment risk mainly includes two aspects, one is the risk of fund routines, and the other is the risk of personal operation mistakes. This is because the fund has gone up and down, and no one can guarantee that the fund he bought will only go up or down. So when the fund falls, the fund you buy has regular risks. In addition, if people make mistakes when buying funds, such as buying a fund that is not their own goal, or investing too much in a fund, it will also bring risks to their investment.
Fourth, the risk of fund managers.
You know, whether a fund can make a profit has a lot to do with the ability of the fund manager. If a fund manager who has a high level of operation and knows how to avoid risks trades the fund, investors are likely to profit from the fund, even if they lose money, they will not lose too much. However, if the fund manager's business level is not high, the money invested by investors is likely to flow to Shui Piao. In this regard, people need to face the risks of fund managers when buying funds.
Of course, in addition to the above four risks, liquidation risk is also a risk that investors may encounter when buying funds, but this situation is relatively rare.