Because ordinary investors don't know what to buy, for example, I have money in my hand, but I don't know what to buy. I want to buy stocks. My stock returns are quite good, and I think I can take some risks. But just because I can take some risks doesn't mean I'm stupid. I don't know any common sense about stocks. I can't even read the K-line cross. I'm going to buy stocks. Isn't this waiting to suffer? Although I can take some risks, I won't watch my money lose for nothing. So I hope to find a platform with moderate risk, and then have a professional team to help me solve this doubt, or an investment method.
Then the fund appeared, because the fund is to concentrate the money in the hands of investors in a large fund market, and then the fund manager and related teams will open positions to buy the corresponding stocks. Of course, before raising funds, the risk level will be announced, whether it is partial stock type or pure debt type, or mixed partial stock type with higher risk, but the income may be higher. Moreover, the experience of such fund managers is at least 5 years, and many of them are fund managers with more than 10 years. They have been playing this game for 65,438+00 years and have a very clear insight into the market.
But buying a fund does not mean that there is no risk, especially a mixed fund with medium and high risks. Many fund managers 18 years and 8 years of trading experience can't guarantee to make money, because fund managers are only experienced, he has no inside information, and he is not a god. If you put the money there, they can only use their professional knowledge to invest like their own money and make as much money as possible, but this is just as much as possible, and no one can guarantee that they will make money.