Buying funds is not for nothing. Buying a fund has certain risks, but different types of funds have different risks and benefits. For example, the money fund has little risk, but the income is particularly small, so many people despise it and want to buy a fund with greater risk.
Therefore, when buying stock funds or hybrid funds, the market is in a state of decline. Some people look at it for a few days and think, if I fall again, I will die. Redeem quickly, see which fund rises high, and then pursue the fund with high income. At this time, if you buy and fall, you will definitely feel that the fund is a pit.
But this is not the case. Part of the reason for this loss is my own. Therefore, the fund is a very volatile product, and it is normal to have fluctuations. Funds need long-term holding and investment to spread risks, and the short-term subscription and redemption costs of funds are very high. Frequent operation, deducting the handling fee is also a big expense.
If you don't want to lose money and can't bear great risks, you can choose to buy money funds and bond funds, which have lower risks, but the income is slightly higher than the bank interest. Although the income is a little less, it's not bad. Talking is better than nothing.