Money fund is the least risky fund type and suitable for conservative investors. However, some investors will be confused if they don't know much about the money fund. For example, do low-risk money funds lose money? Does the following small series bring low-risk monetary base losses? I hope you like it.

Do low-risk money funds lose money?

Theoretically speaking, a low-risk money fund will lose money when the money fund market is bad and make money when the money fund market is good, because the money fund itself does not guarantee the principal and interest, and it has certain risks, which is different from bank time deposits.

But from a practical point of view, low-risk money funds rarely lose money. Take Alipay's money fund as an example, so far there has never been a loss. Although the past does not represent the future, it will still have certain reference significance.

Secondly, Xi Cai Jun also looked at the money funds of several banks' app, and rarely saw any loss. If you buy a low-risk money fund, you can also check your own income. When choosing, give priority to the past income, which is positive and will have certain reference, because the situation of each money fund will be different, so you should learn to analyze the fund yourself.

Can monetary low-risk funds be bought?

If you are a radical investor and want to pursue higher returns, it is not recommended to buy, because the risk of the money fund itself is very small and the return will not be very high, so it will be relatively stable. The money fund mainly consists of invested cash, bank deposits with a maturity of 1 year (including 1 year), bond repurchase, central bank bills, interbank deposit certificates, and the remaining maturity of 397 days (including 39438+0 years).

From these investment directions, we can know that the risk of money fund is very small, and the fund fluctuation will be relatively small, so the income will be relatively stable, which is not suitable for radical investors and is more suitable for conservative investors.

Because the money fund rarely loses money, its income is relatively stable and its flexibility is better. Generally, it can be redeemed at T+ 1, and the time of receipt is relatively fast, which is more suitable for conservative investors who can't bear their risks but care about flexibility.

Two secrets that retail friends can learn from.

First, the stock market is in a bear market stage, and individual stock prices are undervalued. When investors can analyze that the listed company's share price is undervalued and the company's future prospects are good, of course, they can buy more. This kind of stock rationally thinks about the reasons for the decline after the plunge, and if it does not affect the company's fundamentals, it can implement the strategy of covering positions.

Second, the best position to cover the position must wait for the stock to bottom out. Any stock will have an obvious shape when it reaches the bottom, such as the appearance of signals such as bottom deviation, arc bottom, V-shaped bottom and family size. Wait patiently for what you should do before these signals appear. Tips: The stock market is risky, so be cautious when entering the market!