Securities investment fund is a way for investors to invest indirectly, and there are special fund managers to help manage the fund. Equity funds are mainly funds with stocks as the target, and the investment risk is greater than the other two funds. Money funds only invest in the money market, such as national debt, repurchase, bank deposits and so on.
I. Characteristics of investment funds:
1. Raise funds. The fund collects all the funds invested by investors to form a large sum of money, and then distributes the investment according to the investor's income expectation;
2. Professional management. When investors buy funds, they will be equipped with professional fund managers and teams to help investors analyze market conditions and make appropriate adjustments according to changes in funds to ensure the interests of investors;
3. Take risks and enjoy benefits. After deducting relevant expenses, the rest of the proceeds obtained by the fund will be distributed according to the proportion of investors' shares; If the fund loses money, it is also shared by the fund company and investors;
4. Independent custody and strict supervision. The assets of the Fund are guaranteed and kept by the fund custodian, and managed and operated by the fund manager; They are independent, mutually restrictive and mutually supervised.
2. What are the precautions for purchasing funds?
There are many fund companies and many fund products issued. Investors should pay attention to the following matters when purchasing funds:
1. Does the risk tolerance match the fund? The risk level of each product is different. According to the investors' suitability management requirements, they can only buy wealth management products that match their own risks. If investors are conservative investors, they can only buy money funds; If you are a cautious investor, you can buy monetary and bond funds; Only prudent and above investors can buy equity funds.
2. How is the fund's handling fee charged? When purchasing funds, there are front-end A, back-end B and C charging methods; When redeeming the fund, it is also charged according to the holding time, depending on the divided gear, and it is best to hold it for a long time.
3. Operation direction and investment scope of the fund. So we can know what the fund bought.
4. What was the past rate of return of the fund manager or fund? The rate of return reflects to some extent how much income investors can get after buying.