Generally speaking, the risk of funds is not great, but there are several types of funds with relatively high risks. There are two main factors affecting fund risk, subjective and objective. Is the following small series risky for the fund? I hope you like it.

1. Is the fund risky?

Generally speaking, the risk of the fund is moderate. The size of fund risk is related to two factors, the first is objective factor, that is, the type of fund, and the second is subjective factor, that is, different people have different understandings of risk.

1, from the objective factors.

The risks of capital are big and small, so we can't generalize. The risks of different types of funds are very different, and the polarization is serious. For example, money funds and private equity funds, if the risk of money funds is classified according to the risk level of R 1 to R5, it belongs to the type of R 1, which is what we often call cautious or low-risk type. However, if the risks of some private equity funds are classified according to the risk grade of R 1 to R5, it belongs to R5 high risk grade, because some private equity funds invest in futures and stocks, and the risks of such private equity funds are relatively large.

2. Subjective factors.

Everyone has different risk tolerance, so everyone has different attitudes towards risk, that is, the size of fund risk depends in part on our subjective factors. It also includes our personal cognitive level, and the risk is negatively related to our personal cognitive level.

When our cognitive level is higher, then our understanding of things will be more thorough, and we will understand the laws and logic of things, so that our hearts will not be afraid, and the degree of risk of things relative to individuals will also be reduced. On the contrary, if we are unfamiliar with a thing and don't understand its connotation, then we will become insecure and have psychological fear and fear of the unknown, so the risk of things will be higher than that of individuals. For example, for an investment genius like Buffett, the risk degree of the fund is relatively low, but for an investment white, then he will feel that the risk degree of the fund is relatively high. Therefore, the risk of the fund has a great relationship with our personal attitude towards risk.

2. Which is more risky, funds or stocks?

Generally speaking, stocks are risky for the following reasons:

1. The fund manager is responsible for managing the investment. Fund managers are more professional, with professional team tracking research as the support of decision-making, and their investment decisions are more rational.

As far as stocks are concerned, most of them are invested and traded by us personally. Most stock investors do not have professional knowledge and are not professional. Investment decisions are often emotional and will blindly step on the pit.

3. The fund is a combination of various wealth management products, and the risks are relatively scattered. It will not affect the overall situation because of the decline of a wealth management product, and it has the function of risk hedging. But the stock is relatively single. Once the stock price falls, it will lose money and the risk will be concentrated.

Although the risk of funds is generally lower than that of stocks, the risks of different types of funds are different, and some funds are still very risky. When investing, we should consider it comprehensively and not make blind decisions.

How to make rational use of retail investors?

The 5-day moving average refers to the average transaction price or index of a stock for 5 days, which corresponds to the 5-day moving average of the stock price and the 5-day moving average of the index (5MA). The moving average is actually the abbreviation of the moving average index, which is an important indicator to reflect the price trend. The high point and low point formed by trend operation are pressure point and support point respectively, which has important reference significance for investors' trading points.

The 5-day moving average is an important trend line of the short-term trend of the stock market. The stock price above the 5-day moving average is bullish in the short term, so you can buy it (don't chase after it). The short-term bearish stock price below the 5-day moving average can be tracked and observed. When the 5-day moving average of a stock crosses the golden fork formed by the long-term moving average, it is a buying signal, and when the long-term moving average of a stock crosses the dead fork formed by the 5-day moving average, it is a selling signal.