Are funds risky? I really don t know how to want to learn, because I can t save money and want to ma

**There are two types: one-time purchase and regular investment, which are said separately. We don't talk about currency, bonds**.

One-time purchase**: If the index is purchased at a higher position, it is riskier; Conversely, buying when the index is at a lower level is less risky.

**Regular investment: The longer the investment period, the smaller the risk, and when the investment period exceeds 5 years, there is basically no risk.

If you want to save some money to buy a house and retire in the future, **regular investment is a good choice, and long-term**regular investment, the income must be greater than bank deposits. Take me as an example, I started regular investment in 2007, and it has been 4 years now, and the income of regular investment has exceeded the interest of the whole deposit for 5 years.

**Regular investment is an ideal investment tool for wage earners, it is recommended to take out one-third or half of the monthly surplus for regular investment, and deposit the rest in the bank. Regarding the choice**, I see that the performance of "Xinhua Preferred Growth" has been among the best in the past three years, and it is worth recommending, it is worth regular investment!

Finally, I wish you all the best in your investment!

First, the risk of ** is large or small, and it is related to its investment target.

2. Wealth management refers to the management of property (including tangible property and intangible property = intellectual property). It is mostly used for the operation of personal property or family property by individuals, and refers to the plan, plan or solution in which an individual or institution sets an economic goal to be achieved according to the current actual economic situation of the individual or institution, and adopts one or more types of financial investment instruments within a limited time limit to achieve its economic goal through one or more ways. In the process of implementing the plan, it is also called financial management.

3. It is only one of the financial investment instruments, and there are many financial investment instruments, such as bank deposits (fixed current), various types of bonds, various types of insurance, etc.

According to the risk from large to small, the return from small to large: **, **bond**, bond**, currency**. The yield of the currency** is similar to that of a one-year dead deposit in the bank, but it can be withdrawn at any time (redeemed in 2 3 days). Please refer to it.

It is recommended that you communicate with the ** of regular investment, which can save money and have little risk. My monthly salary is automatically deducted.

It is a low-cost collective financial management method, and a bunch of money is handed over to the manager for centralized management.

The advantage of this approach is that it is managed by experienced and well-informed professional investors, who are better able to avoid risks and select valuable investment targets.

In the long run, China's GDP has an average annual growth rate of 8%, and an average annual growth rate of 19% in the past 19 years. According to the ideal estimate, a fixed investment of 100 yuan per month can get back 10,000 yuan in 20 years, and the worst expectation is 10,000 yuan.

What you said about losing the capital and sticking it upside down is margin trading, **No. Like last year's once-in-a-century bear market, many ** fell by 80%, ** only lost 50% on average, and this year's market only rose to half of the 07 high, and many ** net worth exceeded the 07 high point.

When buying, choose the products of the ** company that has been established for more than 10 years, and choose the ** manager with at least 5 years of experience.

Holding ** for a long time will not lose, as long as China's economy is still growing, it will make steady profits.

The main reason why buying ** is not profitable is that individual **investors do not understand and do not understand that omission is its foundation.

It is mainly manifested in two misunderstandings about buying and selling

First, invest **as**.

Chasing up and down is a taboo in investment, and buying high and selling low is also a taboo in investment. Many individual investors are often affected by the herd effect when the market is "hot" and blindly buy**. This situation is more than that, and it is evident in the bull market.

It is not even clear whether the ** product is invested in domestic or overseas**, and the first batch of "going to sea" QDII** products have been deeply set by a group of investors.

Second, the purchase of ** products failed to make long-term planned and stable investments, but carried out short-term speculation.

According to a survey conducted by the China ** Industry Association, the average time for domestic people to hold a single ** is relatively short, and nearly 45% of the basic people hold a single ** for no more than 1 year; According to a survey in the United States, 72% of Americans have the primary financial goal of investment** as "retirement", and they are more inclined to regard investment** as "retirement**".

**The scale has dropped to a certain level** will be liquidated.

Article 44 of the Measures for the Administration of the Operation of **Investment** promulgated in 2004 stipulates that during the duration of the open-ended contract, if the net asset value of ** is less than 50 million yuan for 60 consecutive days, or the number of ** share holders for 60 consecutive days does not reach 100, the ** manager has the right to announce the termination of ** after approval by the China Securities Regulatory Commission. If the aforesaid circumstances occur within 20 consecutive working days after the contract comes into effect, the manager shall explain the reasons to the CSRC.

It can be seen from the regulations that the conditions for liquidation are relatively harsh. First of all, as a wealth management product has been widely recognized and accepted, China's current number of people is very large, and it is basically impossible for a number of shares to be held for 60 consecutive days without reaching 100 people.

Secondly, although it is simply calculated according to the net value, due to the impact of splits or dividends, it is not excluded that the total net asset value of individual ** has approached or has fallen below 50 million yuan. Even if the scale of a certain ** once fell below 50 million yuan, as long as this situation does not occur for 60 consecutive days, it does not meet the conditions for being liquidated.

If one of these conditions is met, it can be wound up.

Will I lose my principal?

If the situation is not good, ** will fall below the principal. It can also fall below one dollar. If it falls to three cents, it will be liquidated.

There are broad and narrow senses, and in a broad sense, it refers to a certain amount of funds that are set up for a certain purpose. For example, trust investment, provident fund, insurance, retirement, all kinds of will. What people usually refer to as ** mainly refers to ** investment **.

There are three main investment analysis methods: basic analysis, technical analysis, and evolutionary analysis, in which fundamental analysis is mainly used in the value judgment and selection of investment objects, and technical analysis and evolutionary analysis are mainly used in the time and space judgment of specific investment operations, as an important supplement to improve the effectiveness and reliability of investment analysis.

The difference between open and closed:

1) ** The variability of the scale is different. Closed-end ** has a clear duration (in China: not less than 5 years), and the issued ** units cannot be redeemed within this period.

Although such an expansion may be carried out under special circumstances, the expansion should be subject to strict statutory conditions.

2) **Units are bought and sold in different ways. When the closed-end ** is initiated, investors can subscribe to the ** management company or sales agency; When closed-end ** listed trading, investors can entrust the brokerage firm to buy and sell at the market price on the ** exchange. When investors invest in open-ended**, they can subscribe or redeem at any time from the **management company or sales agency.

3) The buying and selling of **units is formed in different ways. Closed-end ** is listed on the exchange, and its trading ** is greatly affected by market supply and demand. When the market supply is less than demand, the unit buying and selling may be higher than the net asset value per unit, at which point the investor's equity will increase; When the market is oversupplied, it may be lower than the net asset value per unit.

4) The investment strategy is different. Since the closed-end type cannot be redeemed at any time, all the funds raised can be used for investment, so that the management company can formulate a long-term investment strategy and achieve long-term business performance. Open-ended**, on the other hand, must retain a portion of cash for investors to redeem at any time, and cannot be used for long-term investments, and generally invest in assets with strong liquidity.

How do you get past this problem? 82

What's the matter, how to fix it if it's rotten45

It's not that miserable, look at how many people are making a fortune from this now.