When choosing a fund, you must choose the right fund. If you choose the wrong fund, which three funds are not recommended to buy? What is the reason? What are the high-risk and low-yield funds introduced in the following small series? I hope you like them.
Those funds have high risks and low returns.
Money market funds: Money market funds usually invest in short-term bonds and financial instruments, with low risks and corresponding low returns. These funds are usually suitable for investors seeking more conservative investment strategies and stable income.
Bond funds: Bond funds invest in the bond market with relatively low risk, but usually in the long run, their returns are not as good as those of high-risk and high-yield investment tools such as stock funds.
Balanced funds: Balanced funds usually invest a certain proportion of stocks and bonds to balance risks and benefits. Although its income is lower than that of equity funds, its risk is relatively low.
Sustainable Development Fund: Sustainable Development Fund tends to pay attention to social responsibility and environmental factors, and usually constructs its investment portfolio with sustainable development as the standard. Due to the restrictions of investment standards, these funds may face some restrictions and lower returns.
What should we pay attention to in fund operation?
Risk management: fund managers need to pay close attention to and manage the risk of fund portfolio. This includes evaluating and controlling market risk, credit risk and liquidity risk. Ensure that the portfolio risk is within an acceptable range.
Investment decision: Fund managers need to conduct comprehensive market research and investment analysis, and formulate appropriate investment strategies. They should flexibly adjust the allocation of investment portfolio according to the market environment and the investment objectives of the fund.
Information disclosure and transparency: fund managers should disclose important information such as fund operation, investment strategy, expenses and performance to investors in a timely and accurate manner to protect investors' right to know.
Maximizing the interests of investors: fund managers should always put the interests of investors first in investment decision-making and operation, abide by relevant laws, regulations and ethical standards, and actively fulfill their disclosure obligations.
Customer service: Fund managers need to provide timely and thoughtful customer service, answer investors' inquiries, concerns and doubts. At the same time, pay attention to communication and interaction with investors and establish a good cooperative partnership.
Which three funds are not recommended to buy?
Generally speaking, it is not recommended to buy a small-scale fund, because if a fund is relatively small, then the profitability of this fund is not good. There are two reasons for the small scale of the fund, one is the loss, and the other is the large amount of redemption by investors, so why the large amount of redemption? You can think about it.
Secondly, the income of fund companies mainly comes from fund management fees. The bigger the fund, the more management fees. However, if the fund is small, it will be difficult to make money, and the fund will face the risk of liquidation.
Reasons why the fund does not recommend buying.
It is not recommended to buy funds with poor performance, because funds are operated by fund managers, so it is very important to choose a good fund manager. If the fund manager's performance has been poor in the past, or he is a new fund manager with no experience, it is not recommended to buy.
Finally, the newly issued new fund is not recommended for novices to buy, because novices don't have much experience in buying funds, and the new fund will definitely be launched in order to attract everyone to buy, but without past performance as a reference, there is one less reference indicator. Secondly, the new fund has a closed period, during which it cannot be redeemed and bought, and its liquidity is not very good.
Two techniques that investors can refer to.
First, don't be superstitious about shrinkage at the bottom. The real bottom is not judged by whether shrinkage is the standard. If you have energy for six consecutive days, you can do more, and you can enlarge it for three consecutive days to judge whether it is the bottom. The sky-high price will be completed in three days, and the land price will be completed in one hundred days. The formation of the bottom is an oscillation that needs to rebound, which is very painful. Don't grab the rebound of the V-shaped bottom.
Second, the confirmation at the bottom requires technical judgment. If it is a stock that oscillates below 20, it is not the bottom component. Morphologically, the bottom will gradually raise the bottom. Both KDJ and RSI indicators are long, with moderate volume at the bottom and long positions in a week. Tips: Don't expect bargain-hunting to be copied at the lowest point, so as not to get stuck again in the next round of decline.