Does anyone know about the fund? Is it risky?

There are risks, except for monetary ones, of course, its return is very small, probably higher than the current interest.

** of ** will affect, of course, its risk is smaller than **, it is recommended to hold it for a long time, do not just fall point on the sale.

Xinhuanet, Beijing, October 28 ("Xinhua Viewpoint" reporter Zhang Xudong) **Investment** is an indirect ** investment method. The management company concentrates investors' funds through the issuance of ** units, which are managed by ** custodian (that is, qualified banks), and the ** manager manages and uses the funds to invest in financial instruments such as **, bonds, etc., and then shares the benefits, of course, also has to share the investment risks. According to different criteria, **investment** can be divided into different types:

According to whether the unit can be increased or redeemed, it can be divided into open and closed. Open-ended non-listed trading, generally through bank subscription and redemption, the scale is not fixed, the unit can be bought back from investors at any time, and can also be bought back at the request of investors; Closed-end has a fixed duration, during which the scale is fixed, and it is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

According to the different organizational forms, it can be divided into company type ** and contract type **. Investment is established by issuing shares to establish an investment company, which is usually called a corporate type; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. At present, China's **investment** is contractual**.

According to the different investment risks and returns, it can be divided into growth**, income** and balance**.

According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

There is a risk in buying, and the level of risk is related to the type of purchase. In general, the investment risk of currency ** is the lowest, the income is relatively stable, and the probability of principal loss is smaller, which is more suitable for novice investors and investors with a conservative attitude. The investment risk of bonds** is relatively high, the income is unstable, and the principal cannot be guaranteed to be loss-free.

The investment risk of the index type ** is the highest, and the return is related to the ****, and when the ** is poor, the investment principal may suffer a large loss.

1. **Overview of the basic situation.

Changxin Quantitative Pioneer Hybrid A (519983) was established on November 18, 2010, with the latest scale of 100 million yuan in the third quarter. China Merchants ** has a three-year rating of 2 stars, and Jinxin has a three-year rating of 1 star. On March 13, 2015, he officially accepted the management of Changxin Quantitative Pioneer Mixed A**, and the return during his tenure was 426th among 795 in the same category.

Zuojin Bao now manages 15 products (including Class A and Class C), with a total management scale of 100 million yuan and an average annualized return.

2. Performance.

**Earnings for the quarter are 582 out of 2,560 in the same category.

Data description: 1. **Drawdown rate refers to the range of the net value of the product falling from the highest point to the lowest point in a certain period of time, that is, the loss range. This is a historical indicator that compares the past net worth; 2. The smaller the drawdown, the better; 3. Drawdown is proportional to risk; The greater the drawdown, the greater the risk, and the smaller the drawdown, the less risk.

3. Scale and holder structure The latest data shows that the total assets of Changxin Quantitative Pioneer Mixed A** are 100 million yuan. Compared with the previous period, there was a change of 100 million yuan, and a month-on-month change.

Institutional holders: refers to the organizations that hold the ** share in enterprise legal persons, public institution legal persons, social groups or other organizations. Individual holder: refers to the person who holds the **share of the natural person who can invest in the investment.

Data description: The data on the proportion held by institutions and individuals are only disclosed in the annual report and semi-annual report, and the data is as of 2020-12-31

Fourth, ** position.

Wells Fargo TRW Stable Preferred Blend (front-end: 100026) has earned revenue in the past 2 years, ranking 17th in the same category560, income in the past 1 year, ranking 58|678, the recent market is small**, and the increase in this ** is also relatively large, with earnings in the past 1 week, ranking 2|1051, **Manager Wang Ming began to manage Phu Quoc Urban Development on January 28, 2014** (000471) in the past 1 year, ranking 5 in the same category293.

Also excellent is the Golden Eagle Steady Growth Blend (210004), with an income in the past 2 years, ranking 14|560, earnings in the past 1 year, ranking 51|678, earnings in the past 1 week, rank 7|1051.

Different risks are different, such as currencies and bonds, which are low risk, and mixed, are medium and high risk, so we cannot generalize about the risk, but must talk about the type of risk. But no matter what it is, the risk exists, but the probability of low-risk loss is relatively small, while the medium-high risk and high risk may be lost. Extended Resources:

In the face of an investment and wealth management product, when you consider whether to buy it, it is recommended that you consider it from three perspectives; First, risk, that is, whether the principal is safe and how much loss it may bring; second, profitability, how much the average rate of return can be achieved by investing in this variety; Third, liquidity, that is, how long it takes to occupy funds. Among these three points, risk is the first and most important thing.

There is no absolutely zero-risk investment, but the varieties are different, the risk is different, and the buying is the same.

Objectively speaking, the size of the risk is related to the variety, which is roughly divided into **, mixed**, index**, bond**, currency**, and its risk is decreasing step by step.

However, the biggest risk factor is subjective, that is, it is related to people, and the risk coefficient of buying ** is very high for some people, because he doesn't understand, at most he is following the trend**, following the trend to stop loss, and then losing a mess one by one. For investment bigwigs such as Warren Buffett and Lynch, the risk coefficient of buying ** is extremely low, because they know that the risk is in ** and know how to control and avoid risks. Know how to choose**, know when to make appropriate adjustments**, and avoid major risks.

So they invest to make money. So, the size of the risk factor depends on how much you know.

Admitting to the fact that although we can't be big guys like Warren Buffett and Lynch, we can learn by ourselves, study carefully, constantly deepen our understanding of risks, and respond in time when we smell risks, and the risks will gradually begin to decrease.

For example, if you see a person doing the maintenance of high-altitude cables, you will definitely say, it looks so scary, especially for people who are afraid of heights, especially dangerous, but for their professional people, they may not feel very dangerous, because they know how to do a good job of protective measures, know what circumstances can be carried out, that is, they know the risk of high-altitude cable maintenance, know how to avoid risks, we don't understand, so we think it looks scary and dangerous.

As with everything, the unknown brings fear and risk. If you want to get long-term and stable returns, the best way is to learn more, learn more successful experience like a big guy, think more, and build your own investment framework according to your actual situation.

The risk in the market is objective, but we can subjectively avoid it through our own efforts. There is a risk in buying, and this risk cannot be eliminated, but we weaken it, and the size of the risk of buying ** depends on us. The more you can strategize, the less risk you have.

Different types of ** have different risks, some are high risk, while others are low. For example, capital protection**, if there is a loss, it can protect the investor's principal from being affected; If you buy a higher risk **, if you lose money, it may make the investor lose all his money. Buy**It is recommended to choose the direct store service of the private placement network or the wealth app of the layout network that specializes in providing sales services.

In addition, the private placement network has a high-quality private placement database - timely update the private placement ranking list; Massive data, accurate coverage, authoritative rating, trustworthy. [Select Private Placement - Check Ranking - Click One Click to Chat with Private Placement].

Choosing a good ** can start from three aspects:

1. Choose a good industry, you can choose to invest in the industry with great development prospects, high industry profit-making effect or good industry stability;

2. Choose a good manager, you can choose a manager who has been in the industry for a long time or a star manager who manages it;

3. Choose a moderate scale, if the scale is too large, the difficulty of manager management will increase, and the scale is too small, and the impact of subscription and redemption will be greater.

If you want to know more about it, we recommend the private placement app. The company of the private placement network is an independent third-party first-class sales agency approved by the China Securities Regulatory Commission, with massive private placement product data, strict product access standards, and a professional service team; Private placement network innovation to create private equity direct stores - breaking the communication barriers between investors and private equity; A large number of high-performing private placements have settled in Paipai.com, and investors can have direct dialogue and exchange with their favorite private placements; Create a well-known one-stop online live roadshow in the industry, invite private equity bigwigs, well-known institutions, financial influencers, etc. to have in-depth exchanges with investors on investment strategies and market outlook, and arrange a school to lead investment novices to advance step by step.

1. Investment risk.

The investment risk is mainly the risk of the field in which it is invested. If the investment is ****, it is necessary to pay attention to whether the operating conditions of the listed company are good, whether the market has been improving recently, and where the economy is fluctuating, whether it is an upward period or a downward period. In the case of bonds**, it is important to pay attention to whether there is a risk of default in the bond market.

the risk of interest rate cuts, etc.

2. Policy risk.

Due to the adjustment of national policies, the entire investment field has undergone great turmoil, which in turn has affected the development of the country. It is usually the news of tightening monetary policy, prudent fiscal policy, energy conservation and emission reduction, and shutting down certain enterprises, which is also the risk that the market should pay attention to.

3. Cyclical risk.

This refers to the fact that a certain industry or a certain field is in an overall cyclical downward trend, which has a negative impact on the entire economy. Since the investment of ** is generally very diversified, it is impossible to invest only in a certain area, so this kind of risk is not too destructive for **, and it will usually be digested by the market after adjustment.

4. Purchasing power risk.

This risk is quite serious at present, no matter what channel we invest in, the rate of return cannot catch up with the level of inflation, the best way to preserve value is to convert funds into purchasing power, and spend the money to preserve the value of the most. Once this risk occurs, it will have an impact on the entire economic situation, and all investment means have to face it, so we must either convert all the money into purchasing power at this time, or let the return on investment be higher than the inflation rate.

The risk is the greatest, because it is nothing more than an investor with a large asset size in the face of an ever-changing market. At this time, the risk of investment is all passed on to the investor. And we have to pay for the investment ability of this ** company:

If the investment is good, everyone will make money, and if the investment is not good, the investor will consider himself unlucky. Regardless of the systemic risk in the market, market volatility and the impact of policy news are all borne by all investors, and the accumulation of this risk is quite staggering.

So how can you reduce volatility and enjoy the long term? There is a way; It is to buy more different**, this ****, that one may fall, one decreases and one rises, the fluctuation of the total investment will naturally be smaller, and the long-term average return will not be reduced, which is diversification. Diversification can greatly reduce the impact of a single **** on the total investment.

Investment** is also pursuing long-term growth and a stable management platform that meets all our needs, but there are some corresponding management fees.

1. Systemic risk: Systemic risk is also known as market risk. For example, large-scale political, social, and economic problems have occurred in the local market, resulting in the local **whole**, so that even if the ** is scattered on different ** targets, it is difficult to escape losses.

For example, in the 2015 A-share stock market crash, although a small number of ** were able to obtain positive returns, but in terms of overall limbs, most of the ** at that time were loss-making.

2. The risk of style drift: Usually, if you look at the name of a **, you can probably know what the investment target of this ** is. For example, the Invesco Great Wall CSI 300 Enhanced (000311) is an enhanced index of the CSI 300**; The EU-China Healthcare Hybrid A (003095) is an investment in healthcare-related sectors.