There is no so-called bank card fund, only bank fund. A bank fund is a fund company that publicly raises a small amount of funds to the public, and then uses the raised funds to invest, earn commission and return the profits to everyone. Funds are divided into closed-end funds and open-end funds according to trading methods. Closed-end funds can only be traded within a certain period of time. Open-end funds can be traded at any time. Generally speaking, everyone invests in open-end funds.

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1, investment object

According to the investment object, funds are divided into stock type, bond type and currency type. Equity funds refer to funds in which more than 60% of fund assets are invested in stocks, and bond funds refer to funds in which more than 80% of fund assets are invested in bonds; Money market funds refer to funds that only invest their assets in money market instruments. Relatively speaking, equity funds have the highest risk, followed by bond funds, and money market funds have the lowest risk and return. The return of investment funds will definitely exceed the bank interest rate, but investment will be risky. The fund has never lost money, so it is still an ideal investment method.

2. Can the fund be withdrawn at any time?

Investors can click on redemption at any time. However, the redemption time of OTC funds and OTC funds is different.

② Off-site funds. Redeem before trading day 15: 00, and receive it on the next trading day; Redemption after trading day 15: 00 will be received on the next trading day.

③ On-site fund. If you buy on the same day, you can sell it on the next trading day and receive it in real time after selling.

(4) Except for the arrival time. The handling fee is also different. ⑤ Off-site funds. If the position is less than 7 trading days, the redemption generally requires a handling fee of 1.5%;

⑥ On-site fund. The selling fee is the same as the stock trading fee, and the lowest 5 yuan.

3. When will the fund bought by the bank update its net value?

Funds bought in the bank will not be updated until the second trading day. The bank is a consignment agency, and the data update will not be updated until the fund company updates. Generally, it will be updated on the second trading day, so the net fund value of the previous trading day can only be seen on the second trading day.

4. Is the fund a stock?

Funds are not stocks. Funds have broad and narrow definitions. A fund in a broad sense refers to a certain amount of funds set up for a certain purpose. People usually refer to funds mainly as securities investment funds. The ownership certificate issued by a joint-stock company is a kind of valuable securities issued by a joint-stock company to shareholders for raising funds and obtaining dividends and bonuses. Stock can be transferred and traded, and it is the main long-term credit tool in the capital market.