A fund refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. Here, Bian Xiao will share with you the losses of the Bank Buying Foundation for your convenience.

Do banks lose money when they buy foundations?

Banks are losing money when they buy foundations, and the amount of losses mainly depends on what type of funds investors buy. Funds are divided into different fund types according to the investment objects, and different fund types correspond to different investment risks. Some funds have great investment risks, and some investment risks can be ignored.

Common funds in the market include money funds, bond funds, index funds, stock funds, hybrid funds, QDII funds and so on. Among them, the investment risk of money fund can be ignored, the investment risk of bond fund is relatively small, and the investment risk of stock fund, hybrid fund and index fund is great. But the investment risk is high, and the corresponding investment income is relatively high, and the investment income of bond funds and money funds will be relatively small.

If users buy hybrid funds, stock funds, index funds, etc. In the bank, there will definitely be the possibility of principal loss. Funds are highly volatile investments, and the return on investment will change every day. The more principal the user invests, the different the daily profit and loss will be. The more principal, the greater the loss or profit. If you choose a low-risk money fund, you will not lose money as long as you hold it for a long time. If you don't have enough money to invest in this kind of fund, you need to invest a lot of principal, otherwise the fund will have little income.

When investing, it is recommended to buy according to your own economic situation and your own risk tolerance.

Will banks lose money when they buy funds?

First of all, we must know the types of funds. Different types of funds will lead to different risks and returns. Funds can generally be divided into: money funds, bond funds, mixed funds, stock funds, index funds, QDII funds and so on.

If you buy a money fund or a pure debt fund in a bank, the probability of loss is generally small, and the probability of making money is relatively large, but you don't earn much. Basically, there will be no loss unless the principal is sufficient.

If it is a high-risk fund type such as hybrid fund, equity fund, index fund and QDII fund. If you buy in the bank, you will lose money, because the fund fluctuates greatly, and it is easy to rise and fall, but if the fund market is good, the foundation will earn more money.

Therefore, to buy a bank fund, you must choose a good fund to hold for a long time. In addition, when buying funds, try to choose the top-ranked funds. Generally speaking, it depends on the ranking of the fund and the performance ranking of the fund in the past year and three to five years. It is relatively good to choose the top 25% funds for five years, three years and one year.

Now people have more or less spare money in their hands. Putting money in the balance treasure makes them feel that the income is too small. Putting money into the stock market makes people worry that the risk is too high. Therefore, many people will turn their attention to funds, and the worst degree of investment funds will not lose all the principal. Even if the fund you buy has been falling, its value will only be infinitely close to zero, not equal to zero. Next, Bian Xiao will introduce the matters needing attention for beginners to buy funds.

Did the foundation lose all its principal?

First, the timing of buying and selling funds

Since you want to invest in a fund, you must first understand the basic operation of the fund, and never buy it casually without knowing anything, otherwise the probability of loss is very high. The best time to buy a fund is after 9: 30 and before 3: 00 that day. During this period, you can decide whether to buy or not according to the rise and fall of the fund. The best time to sell funds is after 2:30 and before 3: 00, because the net value of buying and selling funds is determined according to the closing price at 3:00 that day, and after this time period, it is determined according to the closing price of the next day.

Second, buy low and not buy high.

As a novice, when buying a fund, you must remember to buy low and not buy high. When the fund is at a high level, the risk is very high. Once you know nothing about buying, you are likely to become a leek. I can only watch the fund fall off the cliff every day. Therefore, when we buy a fund, it is best to buy it at the low point of the fund, because in the long run, the fund is likely to rise, and we can absorb it on dips and wait for the fund to rise.