The investment risks of stock funds mainly include:
1, the fund scale is too large, the fund manager is difficult to operate, the pressure to prevent investors from redeeming is also great, and there are many cash positions, so sometimes it runs slower than the hybrid fund;
2. The stock market fluctuates greatly, and the timing of intervention is not appropriate. If you buy equity funds on the day when the market rises sharply, and then encounter stock market adjustment, the risk will be exposed.
3, frequent operation, operating the fund as a stock, because the transaction cost of the fund is more than that of the stock, and there is the possibility of earning only the index and not making money;
4. The selected fund investment style is not the mainstream hot spot in the market.
Selection mode
1, depending on the investment orientation. That is to see whether the investment orientation of the fund is suitable for you, especially the products issued by new fund companies with no operating history. The different investment orientations of the fund represent the future risk and return degree of the fund, so we should choose the stock fund that suits our risk and return preference.
2. The brand of the fund company. Buying a fund is a professional financial service, so the quality of the company providing the service itself is very important. At present, many domestic rating agencies will publish the fund rating results on a monthly basis. Although these results are not widely recognized, putting the rating results of several institutions together can also be used as a reference for investment. Stock fund
3. Experts suggest that in the face of numerous stock funds in the domestic market, investors can give priority to a certain proportion of index funds and appropriately allocate some smaller stock funds with the next wave of growth potential and dividend potential.
Pay attention to risks when investing in stock funds. As the price fluctuates greatly, stock funds are high-risk investments. In addition to market risks, stock funds also have concentration risks, liquidity risks and operational risks, which investors must pay attention to when investing.
main feature
Compared with other funds, equity funds have diversified investment targets and investment purposes.
② Compared with investors who directly invest in the stock market, the risks of equity funds are scattered. Low cost and the like. For ordinary investors, individual capital is limited after all, and it is difficult to reduce investment risks by diversifying investment types. However, if you invest in stock funds, investors can not only share the benefits of all kinds of stocks, but also spread the risks among all kinds of stocks by investing in stock funds, which greatly reduces the investment risks. In addition, investors who invest in stock funds can also enjoy the relative advantages of large-scale investment in funds, reduce investment costs, improve investment returns, and obtain benefits of scale.
③ From the perspective of asset liquidity, equity funds have the characteristics of strong liquidity and high liquidity. Equity funds invest in stocks with excellent liquidity, with high asset quality and easy realization.
(4) For investors, equity funds operate stably and have considerable returns. Generally speaking, the risk of stock funds is lower than that of stock investment. So the income is relatively stable. Not only that, after the closed-end stock fund is listed, investors can also obtain the bid-ask spread by trading on the exchange. After maturity, investors have the right to distribute the remaining assets.
⑤ Equity funds also have the function and characteristics of financing in the international market. As far as the stock market is concerned, the degree of internationalization of its capital is lower than that of foreign exchange market and bond market. Generally speaking, the stocks of all countries are basically traded in their own markets, and stock investors can only invest in stocks listed in their own countries or stocks listed in a few foreign companies. In foreign countries, stock funds have broken through this restriction, and investors can invest in the stock markets of other countries or regions by purchasing stock funds, which has played a positive role in promoting the internationalization of the securities market. Judging from the current situation of overseas stock markets, a large part of the investment objects of equity funds are foreign company stocks.