Fund: You pay experts to help you manage your finances, and you pay management fees.

Investment fund: You buy a certain unit of fund 1. The holding share indicates how many units of the fund you have in your fund account 2. The net value of the fund share is the net value of the fund, which represents the RMB that a unit of the fund can now exchange 3. The current market value is

The RMB that all the funds in your hand can be exchanged for now, the current market value = net value of the fund * fund shares 4. Dividends The country stipulates that fund companies must pay dividends every year. I don’t remember the number of times. Without affecting the operation of the fund, some money should be withdrawn.

Dividends will be returned to the investors who purchased the fund on a unit basis, but the net value of the fund will be reduced accordingly. There are generally two ways to distribute dividends: 1. Cash dividends and remit the money returned to the investors to the account designated by the investors themselves; 2. Dividend transfers will need to be returned.

The money is converted into fund shares according to the net value at the time of dividend distribution and added to your fund account. Generally, since you invest, you will choose to transfer the dividends, because there is a handling fee for buying funds after you receive cash dividends. The default method of fund companies is to distribute cash dividends.

You need to buy the fund yourself 1. Buy it from a bank. Different bank agents have different types of funds. You can buy it on the bank's website, and the other is to buy it over the bank counter. 2. Buy it directly on the fund company's website or at a designated location.