First, I will tell you with my heart that I will not lose everything. Fund is the calculation method of market share and net worth (if you don't understand this, you can see my explanation on the home page), and then I will tell you a bad news. The method of buying funds is wrong, and it is possible to lose 60~70% because your sector is unscientific. Naturally, I also have good news, that is, no matter how much money you lose, even if you lose 60-70%, you still have a chance to make a profit after taking it for a long time. Buying funds is more cautious, focusing on long-term holdings, rather than short-term floating losses.

We won't spend all our money to buy funds like that, and the calculation method is different, but how can we make the fund allocation sound? Many people allocate fund sectors that are repetitive and single, and some sectors are not well balanced. The equipment sector will be balanced and unified, equipped with limited money, and the mainstream sector will be upgraded. If your 200,000 stock fund doesn't get bigger, it won't lose everything. On the contrary, if it gets bigger, it is likely to lose all the principal and even get into debt.

There is no fund that becomes a big lever. Pure 200,000 is your own capital. No matter how the stock fund falls, there will still be a certain total market value in your account. Because domestic funds generally do not have a negative probability, even if they fall to 1, they still have a total market value and will not lose all their money. If the leverage becomes larger, this 200,000 yuan will become larger, for example, it will become 1 times, and the capital will become 400,000 yuan, and 200,000 yuan will be borrowed from financial institutions. Such a thing may lose all the capital. Because of the financing leverage, the financing leverage will face the loss of short positions when it is afraid of systemic risks.

Similar to the situation that stocks continue to fall, even if they are cleared, they can't sell at the falling limit and lose money. 99.99% of equity funds will not be wiped out. Because the fund is an investment product founded by a fund management company and managed by a professional team, the investment target is various stocks. If you have a heavy stock, you may be delisted and eventually lose everything. The stock fund is the asset allocation of a stock, which is composed of multiple stocks. Professional teams regularly switch positions, eliminate stocks with poor sales performance and suck in stocks with good performance. Therefore, as long as there is no big problem in the fund management company, the company manager will generally not let the stock fund lose everything.