If you invest in 500 yuan's money fund every month, the possibility of loss is relatively small, because money funds mainly invest in the money market, and their risks are the smallest among all fund types, and their returns are relatively stable, and there are few losses.
Take the money funds in Alipay as an example: At present, the money funds in Alipay are all positive returns, and there has never been a loss. Although the past does not represent the future, it will still have certain reference significance, but at present, Alipay's monetary fund income is generally not very high, and the monetary fund is only relatively liquid, basically there is no closed period, and it is all open-end funds, and the fund redemption time is relatively fast. Generally, the share can be confirmed at T+ 1 day.
If it is a monthly fixed investment fund, 500 yuan pure debt fund, the possibility of loss is relatively small. The risk of pure debt funds is second only to money funds, mainly funds that invest in bonds, so the income is relatively stable. Before buying, you can compare past earnings and then choose a fund with better past earnings.
If it is a high-risk fund type such as 500 yuan index fund, stock fund and hybrid fund, the risks and returns will be relatively large, and the principal will be lost when the fund market is not good.
Let's give a simple example: suppose investors buy a stock fund in 500 yuan, and after holding it for one year, the market of the fund is not so good. If the capital drops by 40%, the lost money is 500*40%=200 yuan, which is a relatively big loss.
But if the market is relatively good, the fund will increase by 40% a year and earn 200 yuan. It can be seen that the risks and benefits of funds are relative, so when buying high-risk fund varieties, we should be cautious and not buy them at will. If the fund can see the heavy stocks, then investors need to analyze whether the heavy stocks have prospects before buying. If most of the heavy stocks of general funds rise,