Compared with stocks, funds are less risky and more suitable for ordinary people to invest. So, what kind of fund should ordinary people buy? What funds do ordinary people invest in? The following small series has prepared what kind of good related content ordinary people's funds buy for your reference.

For ordinary people, it is better to invest in money funds and bond funds for the following reasons:

1, the trend is relatively stable and the risk is low.

Most of the funds raised by money funds are invested in the money market, and most of the funds raised by bond funds are invested in the bond market. Compared with equity funds, it has smaller fluctuation, more stable trend and lower risk.

2. There are also gains on weekends.

For equity funds, the funds raised are mainly invested in the stock market and closed for trading on weekends, so there is no income on weekends. For the money fund, the income of the day of payment is calculated and distributed every day. When there are legal holidays, the income during the holidays shall be disclosed on the second natural day after the holidays. For bond funds, the funds raised are mainly invested in the bond market, and the income mainly comes from the change of net value and bond interest, calculated according to 360 days. Therefore, bond funds have gains on weekends, and the gains on weekends are generally reflected in the net value of fund shares.

3. Low technical requirements for investors.

Compared with stock funds, money funds and bond funds have lower technical requirements for investors, and investors do not need to analyze the trend of fund investment targets in real time.

In addition, when ordinary investors buy funds, they can also conduct fund transactions through fixed investment, and continuously increase their holdings through fixed investment, so as to spread the cost of holding positions and spread risks. At the same time, the procedure of fixed investment is simple, time-saving and labor-saving, and more suitable for busy investors.

Do you want to increase your position when the fund goes up?

If the fund rises, it is generally not recommended to add positions. When the fund rises, the risk of adding positions is relatively high, because if the fund has risen relatively high, it will be in a relatively high position, the cost of buying will increase, and the risks to be borne in the future will also increase. The fund is a highly volatile product. If it goes up, it will go down. Everyone should pay attention to the risks of the fund.

If the fund's market is good, investors are optimistic about the fund, feel that there is still room for growth, want to make more money and have the ability to take risks, then the fund can add positions, but adding positions will aggravate the risk of the fund. If the fund falls, then the fund will lose money, so be careful.

Should the fund be lightened when it goes up?

If the fund rises in the early stage, there is no need to lighten up. You can hold the fund for a few more days and earn more money. If the fund rises in the later period and starts to fall, then you should start to lighten your position and avoid losing money.

Funds are risky investments. When the market is good, they can make money, and when the market is bad, they will lose money. Therefore, we should be cautious in buying funds, learn to analyze the past market of funds, then pay attention to the investment direction of funds and choose good fund managers. Because funds are managed by fund managers, it is necessary to choose a good fund manager.

The fund has been falling, can it rise back without adding positions?

It depends on whether the fund can rise back if it keeps falling. The risk of the fund is unknown, but no one can accurately judge it every time, and the market of each fund will be different, so everyone should analyze it according to the funds they buy.

For example, if you invest in stock funds, you must look at the fund's heavy stocks when you look at the fund, because the heavy stocks are the target of fund investment, and the fund will only rise if the fund's heavy stocks rise, then if the fund's heavy stocks fall, the fund will fall, so it is necessary to analyze whether the fund's heavy stocks are likely to rise. If so, it is possible to rise back without adding positions.

However, if the fund has been falling, and the decline is relatively large, for example, it is difficult for the fund to rise back without adding positions, because it is more difficult to earn back after the fund falls.

What if the fund continues to fall?

It is necessary to set a stop loss point when the fund continues to fall. For example, when the loss reaches 15%, 20%, 25%, etc. , it is necessary to set a stop loss point. This stop loss point can be reasonably planned according to the risk range that investors can bear, and the fund cannot be allowed to keep falling, otherwise it may suffer heavy losses. The essence of buying a fund is to earn the difference. If this fund is in a bad market and keeps falling, then the remaining funds will be redeemed.

Can the fund make money?

Funds can make money. Funds mainly earn bid-ask spreads, buy at low prices and sell at high prices, so as to gain income. But in the process of investment, it is more difficult to buy low and sell high. Investors often buy when they see the fund rise, and sell when they see the fund fall.

How can the fund operate to make money?

1. Choose a fund that matches your risk tolerance. For example, if investors are conservative, don't choose medium and high-risk funds.

2. Control the proportion of positions. For example, if an investor has spare money of 10,000 yuan, then when buying, he can open half of his position first, and then add another position according to the market trend.

3. Choose high-quality funds, and choose funds with top performance, underestimated or medium PE, established for more than 3 years, and the scale exceeds 654.38+0 billion.

4. High selling and low sucking, the fund makes money mainly by earning the bid-ask price difference, and only by buying at a low price and selling at a high price can it make money. However, high selling and low sucking require investors to have a certain level of investment, and it is difficult to grasp the timing of buying and selling, which requires investors to have a higher level of investment.

5. Long-term holding, preferably more than one year. Historically, the long-term holding rate of return of funds is higher than that of short-term holding. The fund mainly invests in stocks, and the return is mainly determined by the rise and fall of stocks. In the stock market, it takes a long time to switch between bulls and bears, so the expected return of holding funds for a long time is greater.

6. Fixed investment. Fixed investment is suitable for most investors, and the investment level of investors is low. Historically, long-term holding can obtain relatively good returns.