What happened when the fund fell a lot?
1. The sharp decline in the basic market leads to the decrease in the net value of the fund: this decline is likely to be the normal adjustment and fluctuation of the basic market. When the development of the basic trend of the market has not reversed, the redemption decision is actually to turn the temporary book loss into a specific loss;
2. The fund company reduces the net value of the fund through splitting or dividends: this decline is actually a marketing tool of the fund company and has no influence on the income of fund holders;
3. Poor investment ability of fund managers leads to poor fund performance: In view of this situation, users need to examine the long-term performance of funds before making a decision.
How to choose a money fund?
1. The bigger the business scale, the better: As a fixed-income product, money funds usually choose one-to-one price negotiation, and usually the party with larger funds has stronger bargaining power and higher investment income. In order to cope with redemption, the cash ratio of small-scale money funds is higher than that of ordinary ones, so there will be relatively few investable assets, and the income will be reduced, and the redemption level of large-scale assets will be stronger.
2. Try to choose the old money fund: after a period of time, the performance of the money fund has been tempered by the market, and it will take time to test whether the newly issued money fund can have excellent performance. In addition, the newly issued money fund has a closed period and cannot be redeemed, and its operational flexibility will be limited.
3. Look at the threshold level: Money funds mainly include A-level money funds and B-level money funds. The primary difference between the two is the project investment threshold.
The above are some contents about fund products, so you can pay attention to them.