First, is the risk of fund fixed investment high?
1, avoid chasing up and killing down
Fixed investment means that investors invest fixed funds in the same fund product at a fixed time. In the long run, the choice of fixed investment time has little effect on the expected return of fixed investment, avoiding the wrong operation of investors chasing up and down.
2. Reduce the cost of holding positions.
When the net value of the fund falls, the investment may be a loss in the short term, but if investors continue to make fixed investment, the investment cost can also be reduced.
For example, if the original net fund value is 1 1,000 yuan, you can buy 800 fund shares. If the net value falls to 1, continue to make a fixed investment, which is also a fixed investment of 1000 yuan. At this time, the fund share that can be purchased will reach 1000 points. If the market rises in the future, the expected income of the funds held will also rise.
On the whole, the risk of fixed investment funds is relatively low, and the longer the fixed investment period, the more obvious the effect of diversifying costs and risks.
Second, what are the risks of the fund's fixed investment?
Low risk does not mean no risk. There are also risks such as fund liquidation and bankruptcy liquidation of fund companies. The money invested by the fund is entrusted to a third-party bank, so even if the fund is liquidated or the fund company goes bankrupt, the investment funds can generally be recovered, but the expected return on investment will inevitably be lost.
In addition, the fixed investment of the fund is a medium-and long-term investment tool. If short-term financial management is the goal, then it is not recommended to operate the fund to vote.
The above content about the high risk of fixed investment funds, I hope to help everyone. Warm reminder, financial management is risky and investment needs to be cautious.