There is basically a positive correlation between the rise and fall of the fund and the rate of return. The higher the rise of the fund, the higher the rate of return of the fund; the lower the rate of rise of the fund, the lower the rate of return of the fund. There is a correlation between the rise and fall of the fund and the rate of return, but the expressions are different. Fund = latest net value * daily gain. The main sources of fund income include interest income, dividend income, capital gains, etc.

What are the risks of buying funds:

Credit risk:

Most financial products are not guaranteed, and banks nominally do not assume guaranteed principal or expectations. Proceeds responsibility. Moreover, the status of wealth management products in bank liabilities is not legally clear. Once extreme circumstances occur, it is difficult to guarantee the rights of investors in wealth management products.

Investment risk:

For linked and structured products, the performance of the linked underlying directly affects the income of financial products. Among non-structured products, investment risks in products such as stocks are relatively high, and their returns are closely related to fluctuations in the securities market.

Exchange rate risk:

For RMB holders, the exchange rate risk of foreign currency products cannot be underestimated, especially in the context of the continued appreciation of the RMB. Amid the turmoil in the foreign exchange market, investors should consider temporarily avoiding foreign currency financial products.

Interest rate risk:

Because the level of interest rates is directly related to the rate of return of financial products, and interest rate risk is positively related to the term. The longer the term, the greater the interest rate risk, because Interest rates are more likely to change and may fluctuate more widely.

Policy risk:

The policy guidance of the China Banking Regulatory Commission has brought great uncertainty to the development of financial products. Recently, supervision has been gradually strengthened, and it is expected that the asset pool investment model will gradually shift to separate Accounting, similar to the one-to-many special account operation model, the overall rate of return may be affected.

Systematic risk:

The investment risk of a single product cannot be measured and controlled independently, so problems with some assets are likely to affect other financial products. If the total scale of the wealth management product market is too large and the scale of funds held by banks is too large, risks may be transmitted to the entire banking system.

In general, credit risk, investment risk, exchange rate risk, interest rate risk, policy risk and system risk are all risks that will be encountered when purchasing bank fund products. When purchasing bank fund products, investors should recognize the risks of financial products and increase their risk tolerance. They should also pay attention to reading product manuals and other information when purchasing.