The bank itself is not a fund company. It only acts as an agent to sell fund products of certain friendly or related fund companies. Therefore, there is no risk in buying a fund from a bank. Of course, buying a fund is risky. You may make money by appreciating the value, or you may lose money by devaluing it.

Fund is an indirect form of securities investment. Fund management companies pool investors' funds by issuing fund units, which are managed by fund custodians (i.e. qualified banks). The fund managers manage and use the funds to invest in stocks, bonds and other financial instruments, and then assume the responsibility Investment risks and profit sharing. According to different standards, securities investment funds can be divided into different categories:

——According to whether fund units can be added or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not listed for trading, and are generally purchased and redeemed through banks, and the fund size is not fixed; closed-end funds have a fixed duration, during which the fund size is fixed, and are generally listed and traded on securities exchanges, and investors buy and sell funds through the secondary market. unit.

——According to different organizational forms, they can be divided into corporate funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; it is established by a fund manager, a fund custodian and an investor through a fund contract, which is usually called a contract fund. At present, my country's securities investment funds are all contract funds.

————According to different investment risks and returns, they can be divided into growth, income and balanced funds.

——According to different investment objects, they can be divided into stock funds, bond funds, money market funds, futures funds, etc.

Buying funds is very simple and can be traded in the securities hall, that is, in the secondary market, just like ordinary stock investments. You can also subscribe through the selling points of banks that cooperate with funds. Many banks have fund sales, including Industrial and Commercial Bank of China and China Construction Bank. If you want to buy it, you can inquire in detail about the relevant fees and interest ratio; and then study the internal situation and past performance of the fund management company.