fund profit and loss = (the current net value of the fund-the net value when the fund is bought) * fund share-handling fee. The rise and fall of the fund is determined by the investment target. When the investment target goes up, the fund goes up, investors gain profits, while the investment target goes down and the fund goes down, resulting in losses for investors.
There are broad and narrow definitions of funds. In a broad sense, it refers to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds and retirement funds.
in a narrow sense, it refers to funds with specific purposes and uses, and the funds usually refer to securities investment funds.
The income of the securities investment fund comes from the future, and the performance of the income is closely related to the performance of the underlying market of the investment target, which has certain risks.
Classification
Funds
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (it depends on the situation), and the fund size is not fixed through subscription and redemption by banks, brokers and fund companies; Closed-end funds have a fixed duration, generally listed and traded in securities exchanges, and investors buy and sell fund units through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. Funds are established by issuing fund shares to establish investment fund companies, which are usually called corporate funds; Fund managers, fund custodians and investors are established through fund contracts, which are usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the difference of investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds, futures funds, etc.
operation skills
first: look at the market outlook before operating
the income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. Then decide whether to redeem or not, and make a choice on the timing. If it is a bull market, it can be held for a while to maximize the benefits. If it is a bear market, it is redeemed in advance, and it is safe to leave the bag.
second: converting into other products
converting high-risk fund products into low-risk fund products is also a kind of redemption, for example, converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also a redemption idea.
third: regular fixed redemption
like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Regular fixed redemption is a redemption method with regular fixed investment.
buying and selling guide
preparation process
before buying a fund, investors need to carefully read the prospectus, fund contract, account opening procedures, trading rules and other documents related to the fund, and all fund sales outlets should have the above documents for investors to refer to at any time.
individual investors should bring the debit card of the correspondent bank and valid identification documents (ID card, military card or armed police card), while institutional investors should bring the original business license, organization code certificate or registration certificate, and the official seal copy of the above documents, power of attorney, ID card of the agent and a copy.
with the preparation materials, the customer fills in the application form for fund business at the bank's counter outlets, and then receives the business receipt. Individual investors also receive the fund trading card, and they can get the business confirmation at the counter two days after the fund business is handled. After receiving the business confirmation, the unit or individual can engage in the purchase and redemption of the fund.