Fund investment is risky. Although it is less risky than stocks, it does not rule out some problems in the trading process that lead to losses. So what are the common problems in fund investment? How to solve it? Let's analyze the common problems of Bianxiao Fund investment:

The first question: I wonder if I can make fund investment?

Let me make a simple analogy. If you don't know medicine, will you see a doctor? It goes without saying that if you are sick, you will definitely see a doctor. Because generally speaking, trusting doctors is basic common sense. In fact, investment funds are first and foremost a question of trust. There is a saying that professional things are left to professional people, and it doesn't matter if you don't understand them.

In fact, the fund is to collect the money of fund investors and then hand it over to the fund manager for investment. Some people may say that if I don't go to see a doctor, people will be in danger, but it doesn't matter if I don't invest. In fact, there are risks in not investing. In the era of big water release, your money is getting worse every day.

There is another phenomenon to say here. Many fund investors turn fund investment into stock trading, stare at the market every day, speculate on the market's ups and downs, and try their best to buy low and sell high, and operate in bands. You said he didn't understand, right? It doesn't seem accurate. But I think the method is wrong, and the result may not be as good as that of people who don't understand. Don't use calculus if you can solve problems in primary school mathematics, let alone calculus you know!

The second question: Can I make fund investment now?

Most people will ask this question, but the subconscious is actually asking, can you make money by buying funds now? Many times, for most people, your income growth can't keep up with the speed of currency issuance. So first of all, we must make it clear that it is necessary for us to invest in funds.

However, if I just want to run away, to be honest, I can't answer the question of whether I can invest in funds yet. Dare to answer that you can do fund investment now, or you are irresponsible or blind.

Anyway, when I meet this question, I always answer: I can't guarantee that you can make money if you buy it now, nor can you guarantee that you can make money if you buy it for three months, but my investment history can tell you that holding funds for a long time has considerable benefits. For example, the small and medium-sized Yin Hua I bought in 2023 tripled in less than three years!

A question like this is, "Can I buy a fund now?" There are more than 8,000 Public Offering of Fund in the market, so it is impossible to know them all. Moreover, even star funds may have poor returns for a period of time. No one can guarantee to make money immediately after buying a fund, and it is also thankless to buy a fund for advice.

We should have a correct understanding of investment. If we regard investment as a lifelong career or hobby, we can enter the market at any time. For fund investment novice friends, it is important to take the first step and buy funds. You must buy a fund. Only when you buy a fund can you understand the fund. After holding it for several years, you will feel whether the fund is safe and can bring benefits.

The third question: Can you make fund investment with less money?

The answer is definitely yes. Different investment products have different thresholds. For example, high private equity funds need to start with one million yuan, while low ones, such as Public Offering of Fund, can start with one yuan. Some people will say that the income is not high and there is no money to invest. People who say this, on the one hand, do not understand the types of investment, on the other hand, fall into the misunderstanding that "investment is to make big money".

I started my fund investment by buying 300 or 500 yuan a month. The biggest gain of my fund investment is that I have saved a sum of money. At the same time, I made another sum of money through Qian Shengqian. I feel that fund investment is the most friendly investment for wage earners.

For most of us, it is impossible to achieve financial freedom through fund investment in this life, but it is still very meaningful to do a good job in investment and financial management and teach the next generation. The next generation of financial quotient has a high starting point and is likely to be financially free.

For ordinary families, financial freedom usually requires the efforts of several generations, as the saying goes, predecessors planted trees and future generations enjoyed the cool. Every step you take can lay a good foundation for your next generation. You can't make your next generation rich, but you can hope that the next generation will become a rich second generation. They don't have to work to survive.

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.