Three people: it is normal to lose money, especially the partners who bought it years ago, especially the friends who bought it in 2065438+early June 2005. This is not directly related to whether ant wealth is purchased in Alipay. Ant wealth is only a consignment fund and does not participate in the management and operation of the fund.
Why do you say that? Because the one who stepped on the thunder! Let's take a look at "How did Jimin lose money?"
Risks are rising and returns are falling. Chasing up and down is not only a taboo for investing in stocks, but also a taboo for investment funds.
Funds can be roughly divided into four categories according to the classification of investment targets, and the risk from low to high is: money fund, bond fund, mixed fund and stock fund.
The former money fund belongs to low-risk income. For example, Yu 'ebao belongs to the money fund, and the historical data is optimistic. In the long run (not one day), there is no overall loss. The risk of money fund mentioned here is very low, but it does not mean that there is no risk, and there is a risk of default in monetary instruments. Yu 'ebao also has relevant risk warnings.
Bond funds are low-risk returns and generally do not lose too much, because bonds have fixed interest, and the risks exist in market price fluctuations and default risks.
If your fund is "totally" losing money and "substantially" losing money, it only means that you have bought a hybrid fund or an equity fund (including an index fund). The reason for the loss is nothing more than improper fund screening method and improper buying time.
The main assets of hybrid funds and equity funds are allocated in the stock market, which is extremely risky. Once the stocks with heavy positions plummet, the net value of the fund will fall, resulting in losses for investors.
Obviously, when we buy a fund, we need to know its fundamentals, such as risk level, asset size, fund rating, historical performance, investment level of fund managers and stocks that are heavily invested. Just like we buy stocks, we should also analyze its intrinsic value. If you buy blindly, you may buy a loss-making stock with poor performance, which will fall every day.
If there is no problem with your choice, then the problem will arise when you meet a good fund at the wrong time. No matter how good the stock is, it will sometimes fall. For example, if the market is not good, the market will bear. The same is true of funds. For example, when the Shanghai Stock Exchange bought more than 3,500 points before the Spring Festival this year, the general trend of the stock market went down. If it fell by more than 20% at a low point, even the best funds would be affected and there would be a big retreat.
Long-term planning should be done when buying funds. Don't doubt your choice, the performance of the fund or even the operation level of the fund manager because of its short-term losses, otherwise you will become a loss-making citizen in the picture, which is completely contrary to the market operation.
So what if there is a loss? It is best to make a plan and make a table, such as how much short-term losses, how much short-term positions are increased, how much positions are reduced, and how much positions are cleared after the long-term rate of return is reached.
To emphasize, you can't just buy one fund, and you can't just buy one type of venture fund. Why not? Just to spread the risk, don't put your eggs in one basket.