When planning to subscribe for fund products, we must know that such wealth management products are not risk-free products, but wealth management products that fluctuate with the overall economic situation at home and abroad, and the risks of different fund products are also different. So I don't know how to buy a fund to minimize the risk. The following is what Bian Xiao collected for everyone about how to buy 202 1 fund to reduce risk _ which fund is riskier? I hope I can help you.

How to buy funds to minimize risks

1 Grasp the ups and downs of the stock market. When the stock market rises, increase the net value by buying high-quality funds from fund companies. If the net value goes up, it will make money. When the stock market rises, try not to buy newly issued funds that are still in the raising period, because after the issuance of new funds, there will be a few months of opening period, and buying new funds will miss the rare opportunity to make money when the stock market rises. Buy quality old funds. When the stock market falls, it is necessary to do a good job in the fixed investment of the fund in stages, reduce the risk of the fund with the fixed investment in stages, and dilute the loss cost by exchanging time for space to obtain income.

2 Moderate take profit. After the fund you buy has a return of 10%, you should take profit in time according to the stock market situation, and don't be too greedy. Grasping the "degree" of fund take profit can effectively reduce the risk of the fund.

3. Establish the concept of fund long-term value investment. If you want the fund to make money, you can't go in today, go out tomorrow and speculate for a short time, just like speculating in stocks. Once in and out, after deducting the subscription fee and redemption fee, you can't make much money.

After buying a quality fund, you should stick to it. If your family's economic conditions permit, you will have unexpected benefits if you persist for at least 3- 15 years. The current market is unstable, so you must think twice before choosing fund products! Remember that except for risk-free bank deposit products and national debt, there will be no loss, and even if the risk of any other wealth management products is low, there is a certain risk of loss.

Which fund is riskier?

1 new fund. The subscription of new shares and bonds is highly sought after by investors, because the price of new shares and bonds is likely to rise after listing. However, the new fund is different. The fund is a medium-and long-term investment tool, and the stability of the expected return of the fund is more important. The newly established new fund basically does not have much historical performance for reference, which is not conducive to investors' judgment. In addition, the new fund generally requires the manager to convert the investment funds into positions within 1-3 months. In this process, the market may change greatly, and investors can't get out in time.

2 fund managers frequently change funds and manage fund managers with too many funds. The energy of the fund is limited. If you manage too much money at the same time, mistakes will inevitably occur due to improper management. It is also not recommended to buy funds that frequently change fund managers.

Three funds with soaring net worth. Some foundations suddenly see their net worth soar one day, which is usually caused by the huge redemption of funds. Holding a fund that has not reached the prescribed number of days requires a redemption fee. When the fund encounters a huge redemption, the redemption fee will also increase substantially, so that the fund assets will increase substantially in a short period of time, the fund share will be greatly reduced due to redemption, and the fund net value will naturally skyrocket.

4 funds with high turnover rate. Fund turnover rate represents the trading activities of fund managers. The high turnover rate indicates that fund managers operate frequently and the transaction cost of funds will also increase.

What are the risks of on-site fund trading?

1 liquidity risk. On-site fund trading is a matchmaking transaction between investors. If you want to sell the fund share, you must have other investors to buy it, so there is liquidity risk in the on-site fund with small turnover.

2 premium risk. There are differences between the on-site and off-site prices of on-site funds, so investors should carefully consider the fund products with on-site prices higher than off-site prices.