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误区之一:无风险去年以来,人们投资开放式基金的热情空前高涨,有些退休职工还把自己的“保命钱”投入了基金市场。因为许多投资者认为开放式基金是通过各大国有商业银行发行,绝对不会有风险。其实,各银行只是为基金公司代理开放式基金的申购和赎回业务,基金盈亏决定于基金公司的运作水平,前两年曾有运行不善的基金净值跌到0.8元以下,形成了投资亏损风险。因此,理财专家提醒广大投资者,开放式基金并非是储蓄的替代产品,其风险虽然低于股票,但稳妥性、变现的灵活性均不如储蓄。在教育、养老、医疗等方面压力较大的人投资基金应谨慎。
Misunderstanding one: no risk Since last year, people’s enthusiasm for investment in open-end funds unprecedented rise, some retired workers also put their “life-saving money ” into the fund market. Because many investors believe that open-end funds are issued through major state-owned commercial banks, there is absolutely no risk. In fact, the banks act as agent for open-end fund subscription and redemption businesses. The profit and loss of the fund are determined by the operation of fund companies. The net fund value of poorly-performing funds dropped below 0.8 yuan in the previous two years, posing an investment loss risk . Therefore, financial experts advise investors, open-end funds is not a substitute for savings, although the risk is lower than the stock, but the security, the flexibility of realization is not as savings. People who invest more pressure on education, pensions and medical care should be cautious.