Why not recommend buying a fund?
1. Fund income is unstable. Affected by the market environment and the investment level of fund managers, there may be losses or lower than expected. In addition, the fund has transaction costs, which may include subscription fees, redemption fees, management fees, custody fees and other fees, which will directly affect the actual income of investors.
2. There is information asymmetry, so it is difficult for investors to truly understand the specific investment strategies, positions, risk control measures and other details of the fund, and they can only rely on the data and evaluation provided by fund companies and third-party institutions.
3. It is difficult to choose a fund. There are thousands of fund products in the market, so it is difficult for investors to choose a truly excellent and suitable fund, and the historical performance of the fund does not represent the future income performance.
How to choose the financial management method that suits you?
1, choose according to your own experience. Different financial management tools have different complexity and operation difficulty, which requires investors to have certain financial management knowledge and experience to make judgments and choices. If investors don't know much about financial management, they can start with easy-to-understand financial management tools, such as deposits, money funds and national debt. , and gradually accumulate financial knowledge and experience.
2. Compare the advantages and disadvantages of different financial management methods. When choosing financial management methods, we need to comprehensively consider its security, profitability, liquidity, cost and other factors. Generally speaking, financial management with high returns is also risky, and financial management with good liquidity may have lower returns.