The fund is a specialized fund company, which publicly raises a small amount of funds to the public, then invests with the raised funds, earns handling fees and returns the profits to everyone. According to the transaction mode, funds are divided into closed and open. Closed means that you can only trade within a certain time, and open means that you can trade at any time. Generally speaking, people invest in open-end funds, which are divided into stock type, bond type and currency type according to the investment objects. Equity funds refer to funds in which more than 60% of fund assets are invested in stocks, bond funds refer to funds in which more than 80% of fund assets are invested in bonds, and money market funds refer to funds in which fund assets are only invested in money market instruments. Relatively speaking, stock funds have the highest risk, followed by bond funds, and money market funds have the lowest risk and the lowest return. The income of the investment fund definitely exceeds the bank interest rate, but the investment will be risky, but so far, the fund has not lost money, so it is still an ideal investment method. If you want to buy it, you can go directly to the bank. The staff at the bank counter will tell you how to fill out the form and buy. China Merchants Bank has also represented many funds, and its service and business level are also good. According to the purchase method, funds are divided into one-time and regular fixed investment. One-time investment is such a large sum of money to buy, and the starting point of each fund is different, at least 1000, at most 5000, and the top is not capped; Regular fixed investment is more suitable for college students, that is, the corresponding amount is deducted every month to buy, and the deduction limit is at least 100, and the upper limit is not capped. China Merchants Bank also has regular fixed investment funds, so it is better to save them than to put them in banks. If you want to buy a fund and don't want to hold it one day, you can apply for redemption, but there is a handling fee for redemption. If you make a profit, you don't have to pay taxes. Qww makes more money.