1. Why do most people prefer to buy funds?
Most people prefer to buy funds, mainly because funds have some advantages that other financial instruments do not have. These advantages are relatively poor in reproducibility, and the advantages of fund popularity mainly include the following points.
1, the fund operation is difficult and the professional requirements are not high. In the investment market, the fund operation is relatively difficult, simple and fast, saving time and effort. At the same time, the fund mainly gives its own money to a professional fund manager for investment, and has relatively low requirements for its own profession, so it is only necessary to learn how to choose a fund.
2. The fund has a wide audience. Both young and old people can manage their money through the fund. Although the proportion of young people is larger, the proportion of elderly people in fund management is relatively higher than other financial management tools.
3. The investment threshold of the fund is low, which is almost the lowest among all financial instruments. The requirements for funds are not very high. You can start buying on Alipay 10 yuan, and even some funds can start buying for one yuan. Therefore, the investment threshold of the fund is relatively low, and the minimum time deposit of the bank needs to be deposited in 50 yuan.
4. The risk of fund investment is relatively low. Compared with other financial instruments, the risk of fund investment is relatively low, and the risk of fund is relatively scattered. The operation mode of the fund is profit sharing and risk sharing.
The risks of financial instruments such as stocks, futures and foreign exchange are relatively high and the risks are relatively concentrated. The risk of a fund varies according to the type of fund. Relatively speaking, the risks of money funds and bond funds are relatively low, while the risks of stock funds are relatively high.
5. The expected return of the fund is relatively high. Although the expected return of the fund is not as high as that of financial instruments such as stocks, futures and foreign exchange, it is relatively higher than that of bank deposits. With the rise of price level and the decrease of bank deposit interest rate, it is difficult for people to beat inflation with the money in the bank, which leads many people to choose funds for financial management.
Second, does the fund make much money?
Although the expected return of the fund is greater than that of bank deposits, it is lower than that of stocks and futures, so the fund does not make much money. Expected return and risk are corresponding. The higher the expected return, the greater the risk, while the risk of the fund is relatively small, so the expected return is relatively low.
The trend of funds is generally relatively stable, with little fluctuation. Of course, this is relative to financial instruments such as stocks and futures. Therefore, the probability of making money by the fund is relatively large, and the probability of making money is relatively large, but the money that can be earned is not much.