Investors will think that the bank interest rate is relatively low, and they will want to buy funds to make money, but they don't know much about funds. So buying a fund is equivalent to saving money? Is a money fund the same as a deposit? The following small series brings the same money fund and deposit. Let's take a look at it together, hoping to bring some reference.

Is buying a fund equivalent to saving money?

Buying a fund is not saving money. Buying a fund is risky. When the market is bad, you will lose money to the principal. Therefore, you should be cautious when buying funds. In addition, when buying a fund, it should be noted that the redemption of the fund will not arrive immediately, but there will be a process of confirming the share.

If investors don't want to take risks in saving money, it is generally better to choose time deposit or notice deposit. If the amount deposited each time is not large enough for time deposit, you can consider putting it in Yu 'ebao first.

Yu 'ebao is mainly connected with money funds, but unlike money funds, the threshold is very low, and you can deposit and withdraw money at any time, which can be directly used for payment and consumption, which is very convenient. You can deposit it in Yu 'ebao first to earn income, and then deposit it in the bank time deposit together.

Is a money fund the same as a deposit?

Money funds and deposits are different, but there are differences. Deposits are guaranteed capital and interest, and there will be no losses, while money funds are a kind of financial management, which is risky, that is, there is the possibility of losses.

The risk of money fund is very small, mainly in the money market, and it is relatively flexible. Generally, it can be redeemed at T+ 1, and the time of receipt is relatively fast, which is more suitable for surviving and conservative investors to buy.

Deposits are suitable for depositors who can't afford any risks. Moreover, deposits are all time-limited, and the general liquidity is not very good. If you withdraw in advance, you must calculate the interest according to the deposit interest rate, which is not cost-effective. Therefore, saving money is actually a trick. If you are not sure when the money will be used, you can consider the ladder deposit method.

The ladder deposit method is to divide a sum of money into several parts, and each part is deposited in a fixed deposit with different maturities. For example, divide 50,000 yuan into five shares, each of which is 10000 yuan, and deposit it in 1 year, 2 years, 3 years, 4 years and 5 years respectively, so that the principal and interest of 10000 yuan will expire every year, which can prevent the loss of interest withdrawn in advance.

Seize the stocks with continuous daily limit.

In the mid-line stock picking skills, if you want to make a medium-long line layout, you must look at the current market situation. You can refer to the annual line (250 antennas) and semi-annual line (120 antennas) of the market index. If the trend is above the annual line and the semi-annual line, it means that it is not a bear market at present. In the face of national policies, investors should not be lucky enough to grab the rebound or choose to buy people, but should wait and see to clear their positions. If the stock market rises sharply, it is necessary to follow the trend and hold shares in the medium term.

Mid-line stock selection should be comprehensively analyzed from six aspects: K-line shape, technical index, relative price, company fundamentals, market trend and stock theme. We should give up some stocks with high P/E ratio and prices much higher than their intrinsic values.

As for how to seize the stocks with continuous daily limit? The initial share price rose by more than 6%; Must be "heavy"; The greater the increase, the stronger the trend and the more favorable it is. Among the key conditions of daily limit, the opening price is 2-3 points higher and the opening price is not more than 2 points lower. The decline process cannot be heavy, and the heavy volume is suspected of shipping; The closing price is near yesterday's closing price, so it is best not to form a gap.