Funds belong to an investment behavior, and there are risks. Many people also know that funds are risky. Why do many people buy it? Which fund is less risky? Today, Bian Xiao arranged some for you. Let's have a look!

Which fund is less risky to buy?

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 choose bond funds

1, choose from the risks.

Generally speaking, the risk of pure debt fund is the least among bond funds. If you don't want to be risky, you can choose a pure debt fund, because the pure debt fund is a 100% investment bond, and the fluctuation of the fund is relatively small, so it is more likely to make money by holding it for a long time.

2. Choose from fund managers.

Because funds are managed by fund managers, it is very important to choose a good fund manager, which can be comprehensively selected from the aspects of fund managers' working years, the income from managing past funds, and the rate of return on employment.

3 How to choose the best time to buy

If it is a bond fund with relatively high risk, you can generally look at the fund's net value, fund valuation and past performance. Buy as low as possible and sell as high as possible when choosing, so there is a great possibility of making money.

Second, look at the fund valuation. The fund is overvalued and is not suitable for buying funds. Because of the high valuation and high risk of the fund, it is generally recommended to buy when the fund valuation is low.

If bond funds invest in stocks, they need to pay attention to their risks. This kind of bond fund is generally risky, so we should pay attention to its ability to take risks.

Fund 7-day short-term operation

The selling rates of funds are generally divided into 0~7 days, 7~365 days, 365~730 days and more than 730 days. The longer the holding time, the lower the selling fee rate. If it is within 7 days, the general fund rate is relatively high, about 1.5%, and the fee for more than 7 days is about 0.5% redemption fee.

Therefore, in the short-term operation of funds, it is basically not suitable to choose money funds or pure debt funds, and you can't make money, because the returns of these two types of funds are relatively low, and they are generally more suitable for high-risk fund types, such as stock funds, hybrid funds, index funds and so on.

When buying, you must choose a good fund and then invest more money, so as to earn more money, but you should pay attention to the risks.

If you invest more money, you will make a profit soon. For example, if an investor buys a stock fund of 10000 yuan, the fund will rise by 3% that day, and the money earned will be: 10000 _ 3% = 300 yuan. If it is the same increase, but more funds, suppose an investor buys a stock fund with 100000 yuan, and the fund earns 3% that day, then the money earned is: 100000_3%=3000 yuan.

There is a big difference between the two, but it should be noted that the risk of quick success and instant benefit is also faster, and the same is true when losing money. How much you can earn and how much you can lose, the risk is directly proportional to the income. Therefore, when investors buy, they can't just look at the benefits, let alone ignore the risks. They should start from their own risk ability and choose the one that suits them.