As long as it is a fund, the risk will be greater than the deposit bank, but the risk of the fund is also classified national debt, and the risk of bond funds is very low. This is a partial bond fund. The risk of index fund is higher than that of national debt, and its income follows the selected index. If the index goes up, there will be gains, while if it goes down, the risk of stock funds will be higher than that of index funds. The fund's fixed investment is also risky. Not just making money. Of course there are losses. The effect of fixed investment will only be reflected in a long period of time, such as more than three years, more people make money than lose money. In the short term, it is equivalent to blocking the market for a period of time, and there are many people who make good money in the market; There are many losers in the market, which does not reflect the smooth effect of fixed investment on market fluctuations. The so-called risk refers to the possibility of a certain loss in a certain environment and within a certain period of time. It is the difference between what people expect to achieve and what actually happens in a certain period of time.

Money deposit banks are basically risk-free in China; The risk of keeping money in foreign banks means that banks may also fail. Inexperienced or uncertain investors may make the mistake that when the stock market falls, funds generally follow suit. Beginners are heartbroken to see that their money is getting less and less every day. However, after a while, it will still come down. Finally, I can't bear to terminate the fixed investment or even cut the meat to redeem the fund. Of course, you will lose money! If you are a rational investor, it is easy to stick to the fixed investment of the fund for three to five years or even longer, and get a rich return on investment. However, the fixed investment will balance the risks, and it will be easy to make profits after a long time. Good choice!