Of course, the share of cash dividends will be reduced. For example, the net value of each fund is 2 yuan, with a share of *** 1 100 million. If 20 cents are distributed to each share, the net value of each share will be reduced to 1.8 yuan after dividends, and the number of shares will remain unchanged. Dividends are divided into cash dividends and physical dividends, and cash dividends are generally adopted in China. For example, if you own 1 0,000 funds, then the 2 cents * 1 0,000 =200 yuan will generally be transferred to your fund account, and you just need to transfer it to your bank card. Dividends are generally paid for two reasons. One is that the total amount of funds is too large for the fund manager to manage, so it is divided into parts. The other is that the fund is set up to allow investors to settle down.

You don't have to open an account in a bank to buy a fund. You can also buy a fund company in official website. Fund sales can be divided into direct sales and consignment sales. Consignment is done by securities companies or banks, and part of the handling fee bought by investors is given to banks and securities companies. Direct sales are directly sold by fund companies, which saves the sales expenses paid to the agency. So personally, I suggest you go directly to the fund company official website to buy it, which is not complicated. At present, many fund companies sell fund products directly on platforms such as official website and WeChat, and the handling fee is lower, which is very cost-effective. Moreover, official website, a fund company, also has information on various fund products and expenses. You can choose famous fund companies, such as Huaxia Fund, Huitianfu Fund, E Fund and harvest fund. You can compare various fund companies and funds on Tian Tian Fund Online.

Fund products are mainly divided into: stock type, hybrid type, bond type, index type, currency type, QDII, LOF and so on. How to choose a fund depends on your risk tolerance. In the recent stock market, it is not recommended to buy stock funds. You can choose a slightly more stable product such as a bond fund. I believe that high returns are definitely high risks, especially in this monkey market.