1. Compared with its own stock trading, the fund is not only managed by the fund manager, but also depends on the support of the investment research team behind it. Strong professionalism and accumulated rich investment experience. In different market environments, with the help of professional investment and research teams, macro, market, valuation and other factors can be better integrated in timing and stock selection, so compared with stock trading, buying funds is more likely to get certain returns.
2. Compared with direct stock trading, the advantage of stock funds is that they can help investors spread risks. This is because the fund does not invest in individual stocks, but invests in a basket of stocks. The advantage of this portfolio investment is that the risk is shared equally among dozens of stocks, which can effectively prevent the losses caused by the explosion of individual stocks. In addition, equity funds have fund managers and investment research teams to make professional investment and trading decisions, and can adjust their positions in time even if they encounter risks. Although, in the context of market decline, stock funds have to bear certain shocks, but thanks to the fund manager's more acute and certain judgment on market trends, they can better avoid systemic risks.
3. From the perspective of investment threshold, the investment threshold of stocks is relatively high, tens of thousands of yuan; The initial subscription amount of the fund is only 1 10,000 yuan, and some of them are only 1 10,000 yuan, even 1 yuan, which greatly reduces the investment threshold.
However, in addition to investment risks and investment thresholds, stock trading also has comparative advantages. From the perspective of trading, the advantage of stocks is that the handling fee is relatively low. The transaction cost of the fund includes redemption fee, management fee and custody fee. And the transaction cost is higher than that of stocks. In addition, buying a fund is equivalent to entrusting the fund manager with full management, and it takes a long time to redeem the fund.
Therefore, investors with high risk preference, certain judgment ability on industries and individual stocks, and time and energy to conduct in-depth research are more suitable for stock trading; For investors who don't have professional investment knowledge and experience, and don't have the time and energy to closely track the market and study individual stocks, it is more suitable for investment funds. In addition, there are many types of funds, and buying funds can meet more investors with different risk preferences and financial needs.
Tips:
1. This information does not constitute any investment advice. Investors should not substitute such information for their independent judgment or make decisions only based on such information, and such information does not constitute any trading operation.
2. Investors should fully understand the investment risks and invest cautiously. On the basis of fully understanding and clearly understanding the risks involved in the product, we will participate in the transaction independently through our own judgment and voluntarily bear the relevant risks.
Reply time: 202 1- 12-20. Please refer to the latest business changes announced by Ping An Bank in official website.