Advantages of the fund:
At present, the interest rate has hit a new low, especially since the second half of 2003, the CPI index has been rising, and investors have actually entered the era of negative interest rates. For investors, putting funds in banks is obviously not more competitive at present. For other investment channels, such as stock and futures trading, ordinary investors simply can't grasp it. As a channel of collective investment, fund managers have more professional research ability than ordinary investors and can obtain more stable return on investment for investors. In the long run, buying funds is an important way to manage money.
At the same time, investors buy funds, and the security is also guaranteed. Take open-end funds as an example. Investors invest in the form of purchasing fund shares. As fund assets, investors' investment will become their own assets independent of fund management companies and fund custodian banks. At present, in China, fund assets can only be deposited independently in independent accounts of custodian banks; In China, only large banks are qualified to engage in custody business, such as China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and China Merchants Bank. These reputable banks can act as custodians of investors' investment funds, keep fund assets in strict accordance with laws and regulations and fund contracts, ensure that they are not used for other purposes, and supervise the operation of fund management companies. Even in the worst case, if the fund management company or custodian bank declares bankruptcy, the security of fund assets will still be guaranteed.
In addition, from the operating mode of the fund, the current fund operation is transparent. Fund management companies will disclose the prospectus to investors. Regular reports include semi-annual reports, annual reports, fund portfolio announcements, fund net worth announcements and public prospectus, so that investors can fully understand the operation of the fund.
Agricultural Bank of China has its own fund, such as 66000 1, current market value 1.567, and 660002 belongs to Agricultural Bank of China, current market value1.00/.