Risk of fund manager's investment ability, funds are managed by fund managers, and the performance of different fund products is different. This is due to the investment ability of different fund managers. Some fund managers have good ability to make money, and the net value of funds has risen rapidly. They once became market champion foundations, but the market is not good, and their ability to resist risks is poor, and they have fallen rapidly and become bottom foundations. However, some funds, regardless of whether the market is good or bad, always lag behind in performance, and these risk bases are uncontrollable. With the passage of time, the rise and fall of the fund is unpredictable. See the fund go up well, always buy with others, see the fund go down, and redeem with others. Usually once you buy a fund, you start to fall, but you can't stand it. If you lose meat, it starts to rise again. If you don't grasp the time well, even the same fund, others are making money. Maybe you've been losing money.

Therefore, in order to reduce these three objective risks, try not to put all the funds into stock funds, and allocate some wealth management products and bank deposits to balance them; Secondly, choose a fund with stable long-term performance instead of a short-term hot fund; Finally, in order to reduce the loss caused by time error, it is best to choose long-term fixed investment to smooth the risk of market fluctuation, and the result is much better than one-time transaction. The equity funds mentioned here, including equity funds, partial stock hybrid funds and index funds, are characterized by a relatively high proportion of stock positions, so the risk will be higher than that of bonds and money funds. Generally speaking, investors often think that the biggest risk of investing in such products is loss, because it is obvious, but more people think that this is not the case.

The biggest risk of investing in such funds is loss, but it also greatly loses the market. In other words, investors not only suffered the loss of the fund, but also lost the opportunity to obtain the average positive return of the market, which can be said to be a lose-lose. This kind of risk is actually greater, especially when investors continue to hold such fund products. When analyzing products such as stock funds, we should not only pay attention to the rise and fall of products, but also pay attention to the market situation of rising or falling in the same period. Especially when a fund rises, it is easy to ignore the fact that it may lose the market. At this time, the fund rose by 20% every year, but the market rose by 40% every year. Investors lost the opportunity to get a 20% market return, which was easily concealed by the profit figures. To sum up, the biggest risk of investing in equity funds is not loss, but loss, and at the same time, the market loses a lot, that is, investors lose twice. This deserves investors' vigilance.

For example, Alipay's Yu 'ebao has a low risk. He invested in money market instruments, such as bonds of some national development banks and certificates of deposit of some banks, which were strongly recognized by financial institutions and even the government. This kind of fund is called money fund. The risk is low, but the return is not high. Did the money fund lose money? From the historical statistics, there is, but in the era of extreme personalization, at least I don't see anyone losing money in the money fund around me, but who earns more and earns less. In addition, there are some funds that invest in bonds or stocks, and the risks of these funds are higher than those of money funds. Of course, its potential return will be even greater. Equity funds are slightly more risky. It is common for stock funds to lose money, and when the market is not good, they may lose quite a lot.