Fund investment is collected by the fund management company through the issuance of fund shares, and the funds are managed by the fund custodian (that is, a qualified bank). Fund is actually an indirect way of securities investment. Fund managers manage and use funds to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits. Generally speaking, the securities investment fund is an investment tool that collects the funds of many investors and gives them to the bank for safekeeping, and the fund management company is responsible for investing in stocks, bonds and other securities in order to maintain and increase the value.

The main advantages of the fund are professional fund management, diversified asset distribution, relatively scattered risks, high transparency and good liquidity.

Monetary funds and bond funds are suitable for conservative investors, with higher income than demand deposits, time deposits and national debt, and extremely low risk, almost equal to zero. Equity funds are suitable for investors who pursue high returns, and the returns are around 15%.

P2P online loan financing.

P2P is the English abbreviation of peer-to-peer, which means person-to-person in Chinese, also called peer-to-peer online lending. As a link between financiers and investors, P2P online loan financing establishes the connection between investors and financiers in a mixed way of "online" and "offline".

There are many P2P wealth management companies in the market, with different products and different yields. Investors are advised to choose products that suit them rationally and cautiously. At the same time, when choosing a P2P company, we must move around and investigate more, and choose a company with formal qualifications and good reputation to handle business, so as to ensure the safety of investors' funds.