Funds are broadly defined and narrowly defined. In a broad sense, funds are a general term for institutional investors, including trust investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the perspective of accounting, fund is a narrow concept, which means funds with specific purposes and uses. Because the investors of the government and institutions do not require investment returns and investment recovery, but require the funds to be used for designated purposes according to the law or the wishes of the investors, funds are formed.
The funds we are talking about now usually refer to securities investment funds. Funds can be bought and sold freely, and they can be purchased and redeemed freely. Novices can bring their ID cards to securities companies to open Shanghai and Shenzhen trading accounts, go through the formalities of bank transfer custody, and open online trading. There is no limit to buying and selling any variety by saving money into accounts. Buy at least 1 on-site trading funds, like 16353, which is currently closed in .5 yuan. It is enough to buy 1 shares with 6 yuan. Of course, if you are saving money, you can choose to make a fixed investment. The minimum is 1-3 yuan, such as Huaxia Dividend, Xingye Trend and Jiashi 3, which are all good fixed investment varieties. Just bring your ID card to the bank counter, and it is better to open online banking to make fixed investment. It is much more convenient to inquire. Now, you can learn about the fixed investment that is most used in the market. Its concept is as follows. There are many opinions on the Internet. Now it is extracted as follows: The fixed quota business of the fund refers to the fixed date of each month through fixed direct sales or consignment agencies.
Regular quota business has several advantages: First, it can spread the cost. Because this investment method is invested with a fixed amount, when the net value of the fund rises, the number of fund shares bought is less, and when the net value falls, the number of shares bought is more. In this way, "buy less when it rises, buy more when it falls", which can effectively spread the low cost in the long run. Second, spread risks. This business model does not need human judgment. Third, reduce the pressure and force savings. Investors invest by automatic bank transfer every month, which is generally not limited by the minimum investment. At the same time, a fixed amount of bank transfer every month can also enable investors to develop a compulsory saving function similar to zero deposit and withdrawal.
in the volatile market, many investors turned to fixed investment. However, fund experts remind investors that the fixed investment should also avoid the risks, which requires a full understanding of the following four aspects:
First of all, the fixed investment of the fund needs to be planned, rather than a hot choice to choose the fixed investment. As a result, liquidity and other problems have appeared for a short time, and finally it has to be terminated. Not only can not achieve the purpose of the fund's fixed investment, but also caused a higher cost. In addition, it should be noted that the fixed investment of the fund is a long-term investment, so we should not pay too much attention to the short-term performance of the fund, and frequent trading is even more undesirable.
Secondly, the fixed investment of the fund is also risky, but there is no guarantee that there will be no loss. Although the fixed investment of the fund can smooth the market fluctuation in the long run, if the fixed investment time is short and coincides with the downturn of the economic cycle, the fund may face the risk of loss.
Third, the fixed investment of the fund does not mean that the portfolio cannot be adjusted. Some investors believe that the fund is originally a portfolio, so there is no need to combine it, as long as the funds are concentrated to vote for a fund. This is actually a wrong idea. Generally speaking, each fund has a clear investment direction. For example, stock funds invest most of their funds in the stock market, while bond funds invest in bonds, while money funds invest in short-term bills or interbank markets. Each type of product is suitable for a type of investors or the capital characteristics at a specific stage. If investors have a clear financial planning, they can combine these products to achieve the overall financial planning.
fourth, the fixed investment of the fund can also be converted. Fixed investment in a fund does not mean consistent investment in a fund, and investors can also convert the shares they buy. For example, in the period of economic boom, some partial stock funds are selected, while in the period of economic downturn, some bond funds are selected for conversion. This will bring benefits to the overall income.