First, the time of purchase and redemption is the key.
1. The capital preservation of the capital preservation fund is conditional and must be held until maturity, and it will not be guaranteed when redeemed.
2. Most fund subscriptions are not guaranteed, and subscriptions are guaranteed.
In order to further realize the "principal security" guarantee, a guarantor is also introduced into the operation of the capital preservation fund, and the guarantor undertakes irrevocable joint and several liability guarantee for the part of the eligible investor whose redeemable amount is lower than the promised guarantee amount after maturity. The credibility and strength of the guarantor is an important weight to ensure the expected annualized expected return of investors.
South hedging and appreciation are guaranteed by CIC Credit Guarantee Co., Ltd., Cathay Jin Lu capital preservation is guaranteed by China Yin Jian Investment Co., Ltd., Yin Hua capital preservation and appreciation and Jinyuan Lian Bi Gem Power are guaranteed by Capital Venture Group Co., Ltd. and Capital Airport Group Company respectively.
Therefore, the purchase and redemption point is the key. Even if the investors who subscribe during the subscription period lose money, the loss of the due principal will not generally occur, but if they are redeemed in the middle, they may lose money. For investors who purchase during the subscription period, the existing losses have become actual losses, and even if they are held until maturity, they may not be able to break even.
Second, choose excellent capital preservation funds.
1, the capital preservation period of the capital preservation fund. The capital preservation period of a capital preservation fund is generally three years, and then once every three years. If investors want to get the promise of capital preservation, the purchase time is very important.
2. The capital preservation fund is redeemed in advance. If it is redeemed in advance during the warranty period, the capital preservation is generally not promised, and investors have to bear higher redemption costs. In general, investors are advised to choose products with lower redemption rates.
3. The comprehensive strength of the fund company and the credit of the guarantor. Management companies with strong comprehensive strength and guarantors with high credit ratings can enhance investors' confidence.
4. Historical performance of the Fund. Because the capital preservation fund is stable and suitable for long-term holding, those capital preservation funds with long-term operation and high medium-and long-term performance deserve attention.
In short, investors should not only refer to the past performance of the fund when choosing fund products, but also allocate assets in funds with different risk expectations and annualized expected returns. The risk of capital preservation fund is low, but it does not give up the expected annualized income. For low-risk investors who pay attention to the safety of principal and stable investors who participate in the stock market with part of their funds, it is a good choice to allocate a certain proportion of capital preservation funds. However, investors should carefully read the prospectus and other relevant announcements before investing in the capital preservation fund to understand the terms and conditions of the fund.
It should be noted that the capital preservation fund is a product with moderate risk and expected annualized expected income, which is suitable for long-term allocation. Investors who pursue short-term operations and high expected annualized expected returns should not participate.