Fund belongs to an investment behavior, which is risky, and many people know it. Then why do many people buy funds because they are risky? Which fund is less risky to buy? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
The fund is risky. Why do people buy it?
Because the fund has both risks and benefits, it attracts many people to buy it. Everyone buys funds to make money. However, if they don't understand the fund, it is easy to lose money. Therefore, it is very important to know something about the fund before buying.
Funds are generally divided into: money funds, bond funds, mixed funds, stock funds, index funds, QDII funds and so on. Different funds represent different risks and returns. Generally speaking, money funds and pure debt funds have the least risk.
Because money funds mainly invest in short-term financial products with high security, such as bonds, central bank bills, repurchase and so on. There will be gains every day, and the risk is particularly small. Basically, it will not lose money, and it is more likely to make money, but if the principal is too low, the income will be particularly low.
Pure debt fund is a 100% investment bond, which has little risk, but it is high risk for money fund, but the return is also high. Therefore, when investors don't want to take great risks, they can consider money funds and pure debt funds. It is worth noting that money funds are the least risky of all fund types.
How to make money from short-term holding funds
Generally, when selling funds, the sales rates of funds are divided into 0~7 days, 7~365 days, 365~730 days and more than 730 days. The longer the holding time, the lower the redemption rate. Therefore, when buying a fund, it is generally not recommended to buy and sell frequently, and the handling fee will be higher.
If the fund is sold within 0~7 days, the redemption rate is relatively high, and the rate of 1.5% is generally required. Therefore, if the fund wants to make money in the short term, it needs to invest enough money. Secondly, the net value of the fund should be high, and the money earned can make money after offsetting the handling fee.
When a fund wants to do short-term, it usually invests a lot of money. Then when investing, it is recommended to choose high-risk fund types, because high-risk funds will have high returns and large fluctuations. If it is a low-risk fund, such as a money fund or a pure debt fund, it will not make money.
However, it should be noted that the short-term fluctuation of the fund is relatively large, and more funds are invested, so the risk is relatively large. In addition, when making short-term investments in funds, we should pay attention to our own tolerance. If you can't bear great risks, don't invest in high-risk fund types in the short term.
Probability of making money by holding a fund for 5 years
If it is a money fund or a pure debt fund, there is a high probability of making money by holding the fund for five years. If it belongs to high-risk types such as stock funds, hybrid funds and index funds, it is not necessarily so.
Because the risk of such funds is relatively high, it is easy to lose money if you don't choose a good fund. If you choose a good fund, the probability of making money by holding the fund for five years is relatively high, and some good funds may double their income.
If it is a money fund or a pure debt fund, the fund will basically not lose money for five years, and there is a great possibility of making money. If it belongs to high-risk types such as stock funds, hybrid funds and index funds, it may be a loss.
When investors buy funds, they should pay attention to take profits and not keep them. The purpose of buying a fund is to make money, not to say that the longer you save it, the higher the income. Some funds are bad, and the longer they may be kept, the more they will lose, so you must be cautious when buying funds.