For example: Bank of Communications, China Merchants Bank, China Construction Bank and Agricultural Bank. , all have their own bank apps. If investors want to buy, they can download their own bank's APP directly on their mobile phones, and then bind the corresponding bank card, so they can click in and buy it.
The only thing worth noting is that the fund belongs to financial management, which does not guarantee principal and interest and is risky. Pay attention to its risks in financial management.
As long as the fund managed by the bank is purchased by a regular bank, the platform is safe, but the fund itself is risky, and there is no guarantee that it will not lose money, but it may lose money.
Generally speaking, there are many types of funds with different risks and returns, which can be generally divided into: money funds, bond funds, hybrid funds, index funds, stock funds and so on.
General money funds and pure bond funds have the least risk, basically do not lose money, and the income is relatively stable. But if these fund types are like convertible bonds, hybrid funds, index funds, stock funds, etc. They are at greater risk.
Fortunately, 20% is possible, but it is the same if you make money, mainly depending on the market situation of the fund. If the fund goes up, it will make money, and if the fund goes down, it will lose money. Therefore, investors must know its risks when buying, and then have a general understanding of their ability to take risks.
Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
According to different standards, securities investment funds can be divided into different types:
According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds.
Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
According to different organizational forms, it can be divided into corporate funds and contractual funds.
A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund.
According to the different investment objects, it can be divided into four categories: bond funds, stock funds, money funds and hybrid funds.