Fund itself is a long-term investment, and will experience some short-term fluctuations in long-term investment. This is normal. Investors should maintain a good attitude and be cautious. If their investment ability is not strong, they can choose the way of fund fixed investment . Fund fixed investment can share costs and reduce risks. So what risks are there for fund fixed investment, and what should we pay attention to?
1. The risk of fund fixed investment
1. The biggest risk of fund fixed investment is to provide investors with psychological acceptance. Tested by ability.
Previous article We introduced the principle of making money by regular investment in funds. We know that making money by regular investment mainly depends on using the same money to buy more fund shares during the price decline. This principle also determines that in the early stage of fixed investment in funds, investors are always in a loss state on the books. For a fixed investment for one or two years or even longer, the books are still losing money. This will make people doubt whether it will keep falling? Will it never rise again? ... When such thoughts flash through my mind again and again, maybe one day when my mind gets hot, I will stop investing in fixed investment, or even Redemption of funds.
2. The risk of not investing regularly as planned.
1. Fixed investment in funds is usually automatically deducted by the sales platform at a fixed time. In fact, it is actually very regular and implemented according to the plan. However, in the process of price decline, some investors will be a little clever and think that since it is a decline, I will not invest this time. Wouldn't it be more cost-effective to invest when it falls a little more? If such a clever cleverness succeeds once or twice, it will strengthen the investors' self-awareness. From then on, it was a regular fixed investment, and it became a subjective judgment investment.
3. Risk of funds not keeping up
Fund fixed investment is a long-term investment. Normally, a round of fixed investment needs to be persisted for 2-6 years. If the investment in each period is too large, all the funds are invested early, resulting in insufficient funds in the later stage and interruption of fixed investment. This is also a common factor affecting fixed investment of funds.
4. Risk of fund liquidation
0. There are certain skills to choose which fund to invest in fixed investment. If you invest The fund selected by the person is relatively small. After a few years of fixed investment, the fund will be liquidated. Although it will not lead to too much loss, it will disrupt the plan and suspend the fixed investment.
2. Risks that need to be paid attention to for fund fixed investment
1. Investor's liquidity risk .
History and foreign historical data show that the longer the investment cycle , the smaller the possibility of loss, and the fixed investment investment exceeds 10 years , the probability of losing is close to zero. However, if investors lack planning for their future financials, especially their future cash demand is insufficient, once the stock market is down, they may be forced to interrupt the fixed investment of funds (i.e., "cutting losses") and suffer losses.
2. The risk of operating errors of investors.
1 Fund fixed investment is suitable for long-term financial planning and is a disciplined investment with a small probability of short-term profit. In practice, many investors who invest in funds have no basis The set regular investments also chase the rise and fall when investing in funds in fixed funds, especially when the stock market falls, the investment deductions are stopped, which violates the basic principles of fixed investment in funds, resulting in the effectiveness of fixed investment in funds being unable to be exerted.
3. Fund fixed investment also has to face market risks.
1 The risk of fixed investment in stock funds mainly comes from the rise and fall of the stock market, while the risk of fixed investment bond funds mainly comes from the fluctuations in the bond market. If the stock market experiences a sharp decline similar to that in 2018, even if the fund fixed investment method is adopted, it is still inevitable. The market value of the account is temporarily down sharply. Fortunately, fund fixed investment is a long-term investment method that does not need to consider the investment timing, which can smooth the risk of market fluctuations.
4. Equivalent fund fixed investment with the risk of bank savings.
1. Different funds have different risks, which are not the same as the risk of bank current or full deposits, and cannot guarantee that investors can obtain absolute safety of principal. If investors are short-term financial management targets, it is recommended to consider other financial management products with lower risks and suitable for short-term flexible deposits and withdrawals.
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