As most of our novices in investment and financial management, the first consideration of investment and financial management is risk rather than income. Because the risk tolerance of most of our novices is still relatively low at first, the following small series brings the security of investing in money funds, I hope you like it.

Is it safe to invest in money funds?

Money fund is a relatively safe investment and wealth management product. Monetary fund is called quasi-savings, which is an open-end fund and can be redeemed at any time. Monetary fund has the characteristics of high security, strong liquidity, stable income and low investment threshold, which is more suitable for conservative investors with weak risk tolerance. Like the balance treasure in Alipay and the change pass in WeChat, they are all money funds, which are relatively safe. Monetary funds invest in securities such as treasury bonds, commercial bills, central bank bills, corporate bonds, bank time deposit certificates, etc., and the risks of these investment targets are relatively small. Fund custodians help customers obtain relatively stable income through effective asset allocation. Money fund is a low-risk financial product in the fund, and the risks of other funds are basically higher than those of money funds, so no matter from which angle, money funds are relatively safe.

Will you lose your principal?

Theoretically, it is possible for the money fund to lose its principal, but this situation has not been found in practice, and China has strict supervision over the financial market, so it will not lose its principal under normal circumstances. Just like the balance treasure in Alipay, I haven't heard of the loss of principal for so many years. In all investment and wealth management products, except bank deposits, other wealth management products are theoretically non-guaranteed and interest-guaranteed, and so are bonds, so national debt is theoretically non-guaranteed and interest-guaranteed, but national debt is called Phnom Penh bond, which means there is basically no risk, and it is endorsed by national reputation.

How do novice investors bargain-hunting stocks?

1. Bollinger Bands have a high success rate of continuously falling below the lower rail. When the bollinger band of the whole stock market continuously fell below the lower rail, it was difficult for this stock to continue to fall, so it basically bottomed out at this time. If the Bollinger Band BB is less than 0 and there are signs of deviation, then you must buy it immediately at this time, which is also the best time to bargain-hunting.

Second, the success rate is higher when the William indicator hits the bottom many times. Generally, in the middle of the stock market, the decline of the market will be maximized. At this time, the William indicator will also enter a medium-term adjustment state. If there have been many clicks at this time, it may have entered the mid-term adjustment stage. Since the adjustment has begun, I believe that the stock price will be adjusted back immediately.

Third, when the market enters the selling climax, the trading volume can expand to the bottom. Generally, some small and medium-sized investors will start selling when they see the stock price plummet, which will lead to the climax of selling. In the meantime, some bears have succeeded, so they will immediately start a callback. If investors can persist until this time, they can start bargain hunting.