In recent years, funds have indeed become more popular, and many funds have achieved good growth rates. Not to mention 70% a year, there are not a few that have doubled in a year. Especially in the past 2020, the fund market has been quite hot.

It is not an exaggeration to say that this is a "good year" for funds. As for the risk of a fund, it does not depend on the increase, but on the type of fund.

Generally speaking, the risk of stock funds will be greater than that of mixed funds, bond funds and currency funds. In contrast, high risk means the possibility of high returns.

Therefore, when buying a fund, you must choose the corresponding fund type based on your own risk tolerance and financial management needs. If you do not want to bear too many investment risks, you can give priority to currency funds and bond funds, and be willing to bear greater risks.

Those who are more risky or can bear greater risks can choose hybrid funds or stock funds.

Overall, the risk of stock funds is relatively higher. However, when the stock market is good, stock funds that follow the trend have the potential to obtain high returns.

So, who is suitable to buy funds?

In reality, a large number of investors are reluctant to buy funds. This is because they always feel that it is more reliable to use their own money or funds to invest. They can just trade stocks by themselves. There is no need to buy funds. Of course, if you own

The success rate of stock trading is very high, so there is really no need to buy a fund. After all, if the stock rises well, the income will be much greater than that of the fund. Having said that, if the success rate of stock trading is not high and you will lose money from time to time, then buying a fund may not be

Just the wrong choice.

As the stock market gradually moves away from retail investors, professional institutional financial management will become the main trend. Fund companies are professional financial institutions. Compared with retail investors, fund companies have the advantages of professionalism and personnel. They can have a professional research team for any stock they want to buy.

Go to the corresponding listed companies to do research. For retail investors, let’s not say whether you know how to do research. It is unrealistic in terms of time and cost to conduct research in various places. To put it bluntly, if you can usually watch the market and speculate in stocks, you don’t have enough time.

If you have enough money, you can consider buying a fund.