ITM machine: select fund financing-fund-fund redemption;
Counter: I hold a valid real-name certificate and fund account to go to any branch in the country that opens fund business, and I am not allowed to act as an agent.
The fixed investment of postal savings fund itself is a kind of fund investment, and it will inevitably face various risks in the process of investment and operation.
1 The fixed investment of the Postal Savings Fund also faces market risks. The risk of investing in stock funds mainly comes from the rise and fall of the stock market, and the risk of investing in bond funds mainly comes from the fluctuation of the bond market.
If the stock market plummets as it did in 2008, even if the fund decides to invest, the market value account will inevitably plummet temporarily. For example, in June, 2008, 5438+ 10, the Shanghai Composite Index was invested by fixed investment, during which the maximum loss of the account was -42.82%. It was not until May 2009 that the funds were basically withdrawn from the account. Someone has calculated with you what the daily fixed investment for three years is 10 yuan.
Liquidity risk of postal savings fund investors. Historical data at home and abroad show that the longer the investment cycle, the less likely the loss is. If the fixed investment is more than 10 years, the loss probability is close to zero. However, if investors lack financial planning for the future, especially underestimate the future cash demand, once the cash flow is tight in the downturn of the stock market, they may be forced to interrupt the fixed investment of the fund and suffer losses. The risk of investors' own operational mistakes in the Postal Savings Fund. The fixed investment of the fund is aimed at a long-term financial planning, which is a disciplinary investment, not a short-term profit-making tool. In practice, many investors who invest in fixed investment funds do not invest according to the set discipline, and they also chase up and down when investing in fixed investment funds, especially when the stock market falls, which violates the basic principles of fixed investment funds and leads to the failure of fixed investment funds. For example, in 2008, due to the huge losses in the stock market, many investors of the fund's fixed investment suspended the deduction of the fixed investment, which led to the loss of the opportunity to overweight the low position, and the effect of the fixed investment naturally could not be revealed.
The fixed investment of postal savings fund is equal to the savings risk, and the fixed investment of bank fund is different from the zero deposit and zero withdrawal, which can not avoid the inherent risks of fund investment and ensure the absolute safety and income of investors, and is not an equivalent financial management method to replace savings. If investors are short-term financial management targets, they should not choose the fixed investment of funds, but should choose safer ways such as bank savings.
The Postal Savings Fund should be careful of these risks when deciding to invest. When will the fund decide to redeem?
Redemption means selling the fund. Except for the newly issued funds during the closed period, the funds you purchased can be redeemed at any time, and the funds will be received within 1-5 days after redemption. There is a charge for fund redemption, usually a redemption fee. However, if you choose to pay the back-end when purchasing, you must pay the back-end subscription fee and deduct it directly from your fund value. According to the holding time of stock funds, the redemption fee is gradually reduced to zero. If it is held for more than one year but less than two years, the redemption fee will be reduced from 0.5% to 0.25%, and if it is held for more than two years, the redemption fee will be zero.