What's the difference between Alipay fund and stock?
I. Definition of funds and stocks
1. Stock is the property right certificate of a listed company. You can buy stocks to make a profit through dividends, or you can buy low and sell high to make a profit.
2. Funds are tools issued by fund companies. After investors buy funds, fund companies use the money to speculate in stocks.
2. The difference between funds and stocks
1. Because fund companies have a lot of money in their hands, they can issue new shares by buying dozens of stocks. Managers of fund companies are more qualified and have more information than ordinary investors, so the risk of buying funds is smaller than that of stocks, and the income is also smaller than that of stocks.
When retail investors go to buy stocks, they can only buy one or several stocks because of limited funds, and the risk of stock selection is greater. If they choose the wrong stock, they will lose a lot. Of course, if you can choose good stocks, you will earn more than buying funds!
2. If you are a novice, it is recommended to buy a fund first, and then try to speculate on stocks by yourself through continuous learning.
3. Advantages and disadvantages:
The difference between AliPay fund and stock. 1. One advantage of investing in stocks: you can control your own investment and make your own decisions;
2. Lots of choices. For example, funds can't invest in st shares, but you can;
3. There is no need to pay management fees to the fund;
You can carry out your investment philosophy.
One disadvantage of investing in stocks is that:
1. Need professional knowledge;
It takes some time, and the opening of the stock market is also the working time of ordinary people. Although market making is not a compulsory course every day, it still needs to be trained and worked;
You need self-discipline and a positive personality. It is difficult for people who lack self-control and have extreme personalities to invest successfully.
One advantage of investment funds is that:
1. After choosing once, you can stop worrying about it for a period of time;
2. The fund's investment and research ability is stronger than that of most individuals;
3. The information asymmetry advantage of institutional investors.
One disadvantage of investment funds:
1. To some extent, it is more difficult to choose a responsible fund manager than to choose a stock;
2. Performance pressure leads to the general conformity of funds, which is similar to the market performance most of the time, so it is difficult to have a truly independent fund manager;
3. There are many people in the fund industry. For example, the inflated IPO price is caused by some affiliated companies, which are factors beyond your control.
It depends on the individual's risk preference. Generally speaking, risk lovers will choose stocks, and risk evaders will choose funds. With the characteristics of China, you should be bold in buying stocks, study policies and financial analysis, be tolerant of loneliness, and throw away your money when you buy them. Long-term investment in China is still a bit tricky. If you want to preserve your value, the fund is more reliable. Personally, I suggest a portfolio. After all, the portfolio is still a relatively acceptable solution.
5, the stock is bought and sold directly by itself, and the profit and loss are decided by itself. Right or wrong is your own. The fund gives money to others to help you invest, and basically there will be no deviation from the market. Therefore, when you earn, you will feel that you have bought and sold, your level will be high, and you will earn more; If you lose money, you will think that the fund manager is a pig's head, regardless of the investor's life or death (even if the fund loses a lot of management fees). The relative risks and returns of the fund are relatively small.
Funds are funds, and stocks are stocks. Correlation is that some funds invest in stocks, such as stock funds, but not all funds invest in stocks. If you have spare money and free time, you can invest in the stock market. If you have spare money and don't have much spare time, then seriously study several funds!