Now more and more new investors enter the fund investment market, but they are not very clear about what the fund means. The following are the risks that need to be avoided in the fund operation prepared by Bian Xiao for you. I hope I can help you!

What risks need to be avoided in fund operation?

Market risk: market fluctuation and uncertainty may lead to the decline of the net value of the fund and affect the return on investment. Fund operation needs to pay close attention to market dynamics, adjust investment strategies in time and avoid market risks.

Allocation risk: Unreasonable or wrong allocation of the fund portfolio may lead to high risk level or poor returns of the fund. Fund operation needs appropriate risk dispersion and asset allocation to achieve a balance between risk and return.

Liquidity risk: the assets held by the fund may have liquidity risk, that is, when there is a selling tide in the market, the fund cannot realize assets quickly. Fund operation needs to manage the liquidity of funds reasonably to ensure that the fund can meet the redemption needs of investors.

Credit risk: The bonds or other credit varieties invested by the Fund may face the risk of default, resulting in the decline of the fund's net value. Fund operation needs to evaluate the credit quality of bonds and carry out appropriate risk control according to investment strategies.

Operational risk: operational mistakes, internal misconduct or technical failures in fund operation may have a negative impact on the fund. Fund management companies need to establish and improve internal control mechanisms, standardize operational procedures and reduce operational risks.

What are the benefits of fund trading?

Capital appreciation: the appreciation of assets invested by the fund in the market increases the net value of the fund and the value of fund shares held by investors, thus realizing capital gains.

Dividend income: dividends, interest or other distribution income generated from securities or other investment products held by the Fund are distributed to fund share holders in a certain proportion.

The income of fund trading is realized by capital appreciation and dividend income obtained by buying and selling fund shares. Investors can participate in fund investment by buying fund shares and selling fund shares when necessary to obtain corresponding income. The income of fund trading is affected by the fluctuation of fund net value and fund dividend policy.

What is the specific meaning of funds?

In a narrow sense, the fund refers to the securities investment fund, which is a kind of collective securities investment mode, with * * * income and * * * risk. That is, by issuing fund units to issue fund shares, many investors' funds are pooled to form independent assets, which are managed by fund custodians (general banks) and operated by fund managers (fund management companies) to obtain investment returns and capital appreciation. Domestic funds all take stocks, bonds and other securities as investment targets, so the full name of the fund is "securities investment fund".

How to buy funds

(1) Confirm the platform purchase.

At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Among them, the bank rate is high and the fund company has little funds, so the individual recommends the website of the third party organization, which has comprehensive funds and low rates.

(2) Choose a fund

Confirm the fund type: how should a novice choose a fund for various funds? First, you need to confirm your risk tolerance and financial objectives, and then determine the type of fund to invest in. The risk is arranged from high to low, and there are the following types of funds: stock funds, balanced funds (stocks and bonds), bond funds and monetary funds. Of course, the more risky the fund type, the higher the income may be.

(3) Opening an account

There are three places to open an account at present:

Bank/online banking: You can buy all the funds sold by this bank by bringing your ID card to the bank.

Agent: You can register your account on the website of a third-party agent, and then bind your bank card, so that you can buy most funds on the market.

Fund companies: relatively limited. A fund company can only open one account, and can purchase all the funds under the fund company.

(4) Methods for purchasing funds and confirming investments.

Generally speaking, it can be divided into single investment and fixed investment. The advantage of fixed investment is that for high-risk funds, regular fixed investment can reduce risks and be more secure.

Redemption skills of fund investment

First: Look at the market outlook before operating.

The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. When deciding whether to redeem, you should make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.

Second: switch to other products.

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.

Third: regular fixed redemption

Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.

Main advantages

Have the advantages of expert financial management (investment technology, well-informed information and understanding of national policies, etc.). )

The benefits of many a mickle makes a mickle.

3. Pay attention to the investment portfolio and diversify the risk of capital investment.

The cost is relatively low (with tax incentives)

5. Relatively high transparency (open-end fund)