If a person has 10 thousand yuan of idle funds, he may be entangled in the way of managing this idle funds. For ordinary people, "should I buy funds or stocks" will become a difficult choice. However, from the perspective of professional asset management, we believe that it will be more effective for ordinary people with small funds to participate in the A-share market by purchasing funds than simply trading stocks. For investors with only 10 thousand spare money, buying funds may be a better choice than buying stocks.

On the one hand, although the threshold for opening an account for stock trading is low, in reality, the threshold for ordinary people to directly trade stocks is constantly improving. Under the background of the deepening institutionalization of A-shares, the prices of many stocks have exceeded 100 yuan/share. In A shares, the minimum number of shares that ordinary investors can buy at a time is 100 shares. In this case, if an investor only has 10000 yuan to invest in the stock market, he often can't buy stocks with a share price exceeding 100 yuan. This means that investors with small capital will lose many opportunities for stock investment.

On the other hand, the threshold for ordinary people to buy funds is lower, and the operating mechanism of funds will enable ordinary people to participate in the investment opportunities of high-priced stocks. In fact, the fund is a way to collect financial resources. Investors can buy a fund for less than 10 thousand yuan, but the rights and interests represented by such fund shares are often the management of a large asset pool by fund managers. If an ordinary person buys a fund share worth 1 10,000 yuan, he can also find a professional fund manager to gather and take care of it. A fund manager may be in charge of fund products with assets of billions or tens of billions. If you buy this kind of fund products, even if the fund share purchased by an investor is only 1 10,000 yuan, the increase or decrease of the fund he enjoys is the same as the same share purchased by another investor110,000 yuan. Fund managers often take the funds of these investors to participate in the investment game of high-priced stocks. Under this premise, fund investors with small capital can also enjoy the benefits of high-priced and high-growth stocks.

From this perspective, fund investment is more suitable for investors with small capital than stock investment.