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眼下,家庭理财热方兴未艾,基金成为许多家庭的投资热点。但专家提醒,投资基金必须掌握三个“要知道”。第一个“要知道”就是基金不是只赚不赔的基金是个投资工具,赚钱是其基本的功能和存在的意义。股票型基金是通过集合投资者的资金投资股市来赚取收益的,基金的价值归根结底是由其投资的股票的价值所决定的。基金长期投资之所以能够赢利,其理论依据就是股票价格总体上具有不断向上增长的长期历史趋势,而非短期市场表现。但是,这并不意味着投资基金短期内不会出现损失,这也就是我们所说的投资风险问题。
Right now, the family financial management boom, the Fund has become a hot investment in many families. However, experts advise that investment funds must master three “want to know.” The first “to know ” is the fund is not just earn money is an investment fund, making money is its basic function and existence significance. Stock funds earn money by pooling investors’ funds to invest in the stock market. Ultimately, the value of the fund is determined by the value of the stocks it invests in. Long-term investment fund has been able to make money, the theory is based on the stock price has been continuously upward trend of the long-term historical growth, rather than short-term market performance. However, this does not mean that investment funds will not suffer losses in the short term, which is what we call investment risk.