Needless to say, everyone knows that any investment has risks. There are risks in fund investment, so do you know what the risk analysis of fund investment is? The following is the 202 1 fund investment risk analysis compiled by Bian Xiao _ Fund Investment Redemption Skills, which is for reference only and I hope it will help you.
Fund investment risk
1. Liquidity risk of fund investment
Liquidity risk refers to the difficulties faced by investors when they need to sell their investment objects, and the risk that they cannot be realized at a suitable price.
2. Unknown risks such as the purchase and redemption price of fund investment.
China adopts the unknown price method, so investors can't know what the net value of fund shares is on the day of purchase or redemption. At what price? This kind of risk is the unknown risk of fund purchase or redemption price.
3. Risk of fund investment
This kind of risk includes the investment risk of stocks and bonds. The investment risks of funds are different with different investment objectives. According to their own risk tolerance, investors can choose the fund varieties suitable for their own financial situation and investment objectives to invest.
4. Institutional operational risks of fund investment.
The institutional operation risk of fund investment includes system operation risk, management risk and operation risk.
System operation risk: the risk brought to investors when the operating systems of all parties in fund operation fail.
Management risk: the risk brought to investors by the management level of all parties involved in fund operation.
Operational risk: the risk brought to investors by the failure of all parties involved in the operation of each fund to fulfill their obligations.
5. Force majeure risk of fund investment
Refers to the risks brought to investors when force majeure factors such as war and natural disasters occur.
How risky is the investment fund?
I. Risks of the Fund
1, the fund also changes with the stock market and economic trends. If there is economic stagnation, financial crisis, war, earthquake or other unstable factors in the world, the income of the fund will certainly be greatly affected.
2. Funds are operated by people, but there are operational risks and moral risks when people operate. No matter how strict the regulatory measures are, there will always be loopholes, not to mention funds. Fund companies go bankrupt every year in the world.
3, the company's business philosophy, the vision and level of managers. After all, people like Soros are a minority, and there are not many investment experts who can make money for free, so the performance of different fund companies varies greatly. The better the operation, the higher the income and the higher the capital income. Or conversely, it is best for Dallas to go to the audience to choose the managers of fund companies who have experienced the whole process of bear market shock and bull market development, that is to say, they have seen big waves and sands.
Investment is risky, the higher the return, the greater the risk.
Second, the benefits of investment funds
Benefits 1:
Fund is actually a form of entrusted financial management.
Simply put, investment funds are "lazy" financial management methods, and the advantage of investment funds is convenience.
Benefit 2:
1. The relevant departments have taken strict measures to prevent capital risks.
2. At present, in China, fund assets can only be deposited in independent accounts of custodian banks, while in China, only large banks are qualified to engage in custody business. These reputable banks can act as custodians of investors' investment funds, keep fund assets in strict accordance with laws and regulations and fund contracts, ensure that they are not used for other purposes, and supervise the operation of fund management companies.
3. In addition, from the perspective of the operation mode of the fund, the current fund operation is transparent. Fund management companies will disclose the prospectus to investors. Regular reports include semi-annual reports, annual reports, fund portfolio announcements, fund net worth announcements and public prospectus, so that investors can fully understand the operation of the fund.
Generally speaking, the securities investment fund is an investment tool that collects the funds of many investors and gives them to the bank for safekeeping, and the fund management company is responsible for investing in stocks, bonds and other securities in order to maintain and increase the value.
Redemption skills of fund investment
First: Look at the market outlook before operating.
The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. When deciding whether to redeem, you should make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.
Second: switch 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 money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.
Third: regular fixed redemption
Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.
Main advantages
Have the advantages of expert financial management (investment technology, well-informed information and understanding of national policies, etc.). )
The benefits of many a mickle makes a mickle.
3. Pay attention to the investment portfolio and diversify the risk of capital investment.
The cost is relatively low (with tax incentives)
5. Relatively high transparency (open-end fund)