Most of the wealth management products sold in the market now have no direct affiliation with banks, which is called capital preservation. In fact, the risk is great! People just don't understand. There is little difference between investment funds and stock risks. When the stock market is bad, funds generally lose money. The return on investment is directly proportional to the risk, and the greater the target return, the higher the risk. Really? Capital preservation? Only investment in banks, death, is actually slowly eroded by inflation. ?

Different funds have different risks. For example, money funds and bond funds are low-risk, while hybrid funds are medium-high risk. Therefore, we cannot generalize the risks of funds, but must focus on the types of funds. But no matter what kind of fund, there are risks, but the probability of low-risk loss is relatively small, and both medium-high risk and high risk may lose money. There are usually two kinds of funds, one is index fund and the other is active fund. These two funds have their own advantages. Simply put, index funds buy stocks according to the rules of index compilation, forming a basket of stocks. Index funds are characterized by untimely birth, completely according to the rules, and no manual operation.

The risk of money funds is lower than that of most wealth management products of banks. Money funds mainly invest in short-term money market instruments such as government bonds and central bank bills, which are highly secure. In the eyes of many investors, the security of money funds is almost equivalent to bank savings. The bank's R 1 wealth management also mainly invests in low-risk financial products such as high-credit bonds and money markets.

Fund investment for more than three years is basically risk-free. Securities investment fund is a kind of collective investment and financial management method for investing in securities with * * * income * * * risk. According to the size of risk, funds are divided into stock type, mixed type and currency type. You can invest according to your own situation. If you invest for a long time, you can diversify your investment and buy several funds together. You can also decide how to invest according to your personality and financial situation. To buy a fund, it is generally one yuan, the minimum subscription is 1 1,000 yuan, or a multiple of 1 1,000 yuan. Fixed investment generally requires 200 yuan/month. Buying a fund is self-financing, and bond funds can basically protect their capital for more than one year.