If the fixed-term fund purchased by investors has a certain closed period, investors can't redeem it during the closed period, but can only redeem it after the closed period.
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The so-called fixed investment fund refers to investing in a designated open-end fund with a fixed amount (such as 1 10,000 yuan) at a fixed time (such as the 8th of each month), which is similar to the bank's zero deposit and withdrawal method.
Characteristics of fixed-term investment funds:
1, average cost, risk diversification, it is difficult for ordinary investors to grasp the right investment opportunity in time, and they can often buy at market highs and sell regular investment funds at market lows. The fixed investment mode of the fund means that the funds are invested on schedule and the input cost is relatively average.
2. Suitable for long-term investment. Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
3. It is more suitable for investing in emerging markets and small equity funds. It is more suitable for investing in emerging markets or small equity funds with large fluctuations in long-term fixed investment performance. Because the callback time of the stock market is generally longer and slower, and the stock market rises faster when it rises, investors can often accumulate more fund shares when the stock market falls, so they can get better return on investment when the stock market rebounds.
4. The risks and benefits of fixed investment are smaller than those of subjective investment, because it disperses the risks and benefits well.
Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit 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), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. 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. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income 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.