I. What is a fund
(1) According to whether the fund share can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), and the fund scale is not fixed through subscription and redemption by banks, securities companies and fund companies; Closed-end funds have a fixed duration and are generally listed and traded on stock exchanges. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. Fund is an investment fund company established by issuing fund shares, usually called corporate fund; Usually called contractual fund, it is established by fund managers, fund custodians and investors through fund contracts. China's securities investment funds belong to contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income-based funds and balanced funds.
(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.
Two. Matters needing attention of the fund
1. Pay attention to arrange the proportion of fund varieties according to your risk tolerance and investment purpose. Choose the fund that suits you best and set the investment limit for buying some stock funds.
Be careful not to buy the wrong "fund". Hot money attracts some fake and shoddy products, so we should pay attention to identification.
3. Pay attention to the later maintenance of the account. Although the fund is easy to worry about, it can't fight alone. Always pay attention to the new announcements on the fund website, so as to understand the funds it holds more comprehensively and timely.
4. Pay attention to buying funds and don't care too much about the net value of funds. In fact, the return of the fund is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.