But any investment is risky, and there is no absolutely safe product.
Fund is a liquid investment tool, and it takes time to accumulate income.
So will the fund lose money if it decides to invest? I will!
For example, the recent stock funds, index funds, hybrid funds and so on. Because the stock market fluctuated and fell, some even lost money.
However, a bad market is a good opportunity to open a position. Buy low and sell high. With the same funds, you can buy more stocks at a low level and the cost is lower. Therefore, there is no need to be afraid when the fund is in a downturn or shock period. Have money that is not needed in the near future and can be used to add positions; Money doesn't matter, just wait patiently.
Of course, the performance of the fund itself is also very important. So how to choose a good fund?
1 First of all, choose the appropriate type according to the category: if it is a fixed investment, it will be better to choose index funds and mixed funds with relatively large fluctuations than one-time investment. After all, it is difficult for us to predict whether it is the lowest now ~!
If it is a one-time investment, choose the pure debt fund in the bond fund.
2. It is best to operate for more than 3 years. If it is not open regularly, it can be redeemed at any time.
3. Look at the performance of the fund, and choose the one that has grown steadily in the past year, and the income is better.
4. Look at the fund manager: the maximum withdrawal rate (used to describe the biggest loss that investors may face, the debt base is within 10% and the stock base is within 45%), and the replacement frequency (do not change frequently).
Buffett has repeatedly advised investors: "Be sure to invest within your own understanding."
Sharpening a knife is not a mistake for a woodcutter. It's best to learn financial management knowledge before investing, and then invest clearly.