General fund net value will not fall to 0 yuan. If the liquidation conditions are met, the fund may be liquidated, and there will be some money after liquidation, and there will be no loss.
Investors should focus on long-term investment as much as possible after purchasing funds. If they lose money, they will redeem it, and if they go up, they will buy it. It's easy to chase up and kill down, and eventually you will get stuck in it.
Users must pay attention to risks when investing in fund financing, because different funds face different risks after buying, and some funds will basically not lose money after buying, such as money funds.
User investment funds must have knowledge of funds, such as trading rules, trading time, trading costs, etc. Before buying, they should also assess their risk tolerance. If you can't afford high risks, you must choose low-risk funds when investing.
Users can choose different channels when purchasing funds. Common purchase channels include third-party platforms, fund companies and banks. When purchasing funds, users can choose according to their actual situation. It should be noted that investment funds must use personal spare money for financial management and cannot borrow money to buy funds.
According to different standards, securities investment funds can be divided into different types:
According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund.
According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.
Open-end funds and closed-end funds are isomorphic, forming two basic modes of fund operation.
Open-end fund refers to an investment fund whose scale is not fixed, but which can issue new shares or be redeemed by investors at any time according to market supply and demand. Closed-end fund is relative to open-end fund, which refers to the investment fund whose fund size has been determined before issuance and remains unchanged within the specified period after issuance.