In the current financial market, there are some disadvantages in small capital investment, such as: it is difficult to make portfolio investment and unable to spread risks; Lack of research resources, asymmetric information, blind investment decision-making and poor adaptability; Weak negotiating position, etc. Therefore, investors can choose to pool scattered funds into funds with scale advantages, and then hand them over to professional managers to invest in various financial instruments, so that investors can enjoy the benefits brought by portfolio investment with a small amount of funds. At the same time, through scale investment, investors can enter investment fields that small investors cannot enter, such as buying and selling government bonds in the interbank market.

Advantages of fund financing: advantages of diversifying investment risks;

In other words, scientific portfolio investment can reduce risks, and then achieve the purpose of improving returns. Some analysts show that in order to at least spread risks in investment, it is generally necessary to hold at least 30 stocks. Individual investors can only invest in certain types of securities with limited funds, so the risk is relatively high, that is to say, if the investment in certain types of securities does not perform well, it is likely to make investors lose money; Relatively speaking, the fund has abundant funds, which can be diversified into a variety of securities for portfolio investment, and will not lead to a situation of losing the whole game because of the loss of a certain securities.

Advantages of fund management: advantages of expert management;

Because fund management is expert management, financial managers are researchers and fund managers of fund management companies. He is a real expert in this field. After professional investment training, they have very rich knowledge of financial theory, securities research and experience in large capital investment, established a wide range of information channels, made a special analysis on macroeconomics, industry development, company operation and market trends, and made a more correct prediction on the price change trend of various varieties in the financial market to the maximum extent. Therefore, for small and medium-sized investors who have no time, or are not familiar with the market, and have no ability to make special investment decisions, if they invest in funds, they can actually gain expert advantages in market information, investment experience, financial knowledge, operation technology, etc., that is to say, to avoid failures caused by blind investment as much as possible.

Fund financing is relatively the best financial management.

First, compared with other financing methods, the overall risk of fund financing is relatively low. For ordinary small and medium-sized investors, the fund's investment portfolio can spread risks, and professional financial management can adjust investment in time, so the risk of fund investment is smaller than that of individual stocks. In addition, although the long-term appreciation potential of the fund may be significantly less than that of collectibles or futures, there is no principal loss caused by the double risks of counterfeiting or leverage.

Second, compared with other investment tools, the operation of fund financing is the simplest. If you want to compare antiques, calligraphy and painting, mahogany furniture and other collectibles, or compare complex derivatives such as futures, investment funds do not need to have too deep professional knowledge, that is to say, they only need to understand the basic essentials of financial management, and almost everyone can participate.

Third, it is easy to realize the fund. It may take some time for other investment tools to be realized, but open-end funds can be redeemed at the net value of the fund every working day and can be traded on any working day. Therefore, relative to real estate, collectibles and other investment products, the liquidity of the fund may be the fastest, most convenient and most certain. At the same time, the open-end fund can be realized at any time according to its net value, which further reduces the investment risk.

Fourth, compared with other wealth management products, the capital threshold is the lowest and you can invest at any time. Under normal circumstances, the fund can start investing with only 1000 yuan (the starting point of regular fixed investment of the fund is low, generally only a few hundred yuan per month). This is unmatched by investing in real estate, collectibles and derivatives. . . . . . . . . . .