What are the risks of fund financing? Securities investment fund is a kind of collective investment and financial management method for investing in securities, which has both benefits and risks. According to the risk, funds are divided into stock type, mixed type and currency type. You can invest according to your own situation. If you invest for a long time, you can diversify your investment and buy several funds in combination. You can also decide how to invest according to your personality and financial situation. Buying a fund is generally one yuan.
Buying a fund is self-financing, and bond funds can basically protect their capital for more than one year. A good variety can expect an expected return of 15%. Bond funds refer to funds that invest 80% in bonds. Equity funds refer to funds that invest 60% in stocks.
The difference between the two lies in the difference between risk and return. Equity funds are risky and have high expected returns. The risk of bond funds is relatively small, and of course the expected return is also small. Mainly depends on the investor's investment purpose and risk-taking ability.
Beginners buy funds:
1. bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee will decrease year by year. Generally, holding for more than three years does not require redemption fees.
Each bank can buy about 100 kinds of funds, and it takes 4-7 days for the money to arrive, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
2. Go directly to the fund company for subscription from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
3. Open a securities account, sit at home and apply online, without going to the bank. We have preferential securities companies to buy funds: the subscription fee is 0.3%, and the redemption fee is 0.3%. The fund market rebounded with the stock market, and the market fluctuated, so did the fund. This area is a low-risk area and suitable for investment.
Concerned funds can pay attention to leading varieties and choose according to their own risk tolerance. Investors with high risk tolerance can pay attention to index funds. If they have no risk tolerance, they can pay attention to bond funds. The best variety this year is Dongfang Stable. No matter what kind of investment tool, only the one that suits you is the best. The same is true of investment funds. When choosing a fund that suits you, you should follow the following two principles:
Principle 1: Determine the nature of funds. First of all, we should keep the daily expenses for 3-6 months, and the rest of the money can be used to consider investment. When investing, we should consider both risks and expected returns. If you invest all your daily household money, on the one hand, it is difficult for you to maintain a calm investment, which is also unscientific from a professional point of view.
Principle 2: determine the term of use of funds. Open-end funds can be purchased and redeemed every day, but I still think that investment funds should consider the medium and long term, preferably 3 to 5 years or even longer. When investors consider investing, it is best to first determine the period during which funds can be used.
So how big is the risk of fund financing? This article has been answered, I hope you can understand it after reading it, and I wish you more and more smooth investment and financial management.