What are the common problems in fund investment?
1, management problem
Funds hand over the collected funds to professional fund managers for investment operation, so there will be management problems. Investors may suffer losses when the selected fund managers have poor professional ability and low investment level.
2. Market problems
It mainly refers to the influence of market environment on fund investment, including economic policy, interest rate adjustment and exchange rate change. For example, tight monetary policy is not good for fund investment, which may lead to the decline of funds.
3. Redemption restrictions
Mainly refers to the situation that investors can't redeem in time when there are huge redemption restrictions or suspension of redemption.
4. Valuation deviation
Fund valuation is mainly to measure whether the fund has value, appreciation or depreciation. Deviation in valuation will generally affect investors' income.
5. Timing of purchase
Most investors are prone to chasing up and down when buying funds, which is easy to lead to losses. It is recommended to analyze your investment preferences and avoid blindly following the trend.
6. Other issues
There are some force majeure factors or system problems when investing. Such as system failure, war, natural disasters, etc. , which has a direct impact on fund transactions.
How to solve it?
1, diversify investment
When investors buy funds, it is recommended to buy a number of different types of funds for diversification. The correlation between funds is small, which can spread and reduce investment risks and share the cost of holding positions.
2. Fixed investment of the fund
Take the form of fixed fund investment and invest a certain amount at a fixed time, so as not to consider the impact of the wrong purchase opportunity, but also to share the cost and reduce the risk.
3. Planning analysis
Analyze the influence of market conditions on fund investment, and try to buy funds when the market conditions are good, so it is easier to make profits.
4. Choice of fund managers
It is recommended to choose a fund manager with rich experience, top past performance and many years of experience.
5. Understand the trading rules
Understand the trading rules of the fund before trading, such as the conditions of purchase and redemption, to avoid the failure of subsequent redemption.
Step 6 choose a fund
Choosing a fund with stable performance, large scale and long establishment time is more likely to make a profit.