1. Less investment and greater benefits.
The essence of investment funds is to pool the small money of many investors into big money. The investment amount is calculated by the purchasing unit, and the amount of each unit ranges from several yuan to several tens of yuan. Some even have no limit on the amount of investment. Investors can decide to buy more and buy less according to their own funds, which solves the embarrassment that small investors want to enter the market with less funds. Because of the large amount of funds, investment funds are easy to achieve economies of scale when buying and selling stocks or other securities. Usually, a certain commission is paid to the securities company when buying and selling stocks, and the amount of commission decreases with the increase of trading volume; In other words, investment funds can often get preferential discounts in large-value securities transactions. Therefore, for investors, investment funds and individuals relatively reduce commission expenses, reduce investment costs and improve investment efficiency.
2. Expert management, save worry and trouble
Investment fund is an indirect investment tool. All the funds raised by the fund are operated by professional investment talents. Therefore, an investment fund means that every investor spends very little money and hires a professional investment consultant to help him manage his finances. Obviously, these experts have much richer investment theory and experience than ordinary investors. They specialize in studying and analyzing the domestic and international economic situation and international trends, and can keep abreast of the operating conditions and ever-changing market information of various industries and listed companies, and keep close contact with domestic and foreign securities markets and securities firms. This provides a reliable guarantee for ordinary investors who buy investment funds to obtain relatively stable and rich investment income in the ever-changing securities market. Therefore, investment funds are safer and more worry-free than investing in other financial commodities.
3. Securities investment, low risk
In order to protect the interests of investors, investment funds have a principle of portfolio diversification, that is, certain funds are invested in different securities and other profitable industries in different proportions. This is one of the biggest characteristics that distinguishes investment funds from other investment methods. Generally speaking, the relevant provisions of investment funds clearly stipulate that the portfolio should not be less than how many varieties, and even single-market funds are not allowed to buy only one or two stocks, and there are certain proportion restrictions on buying a stock. Through portfolio investment, the investment risk of investment funds is shared by all investors on the one hand; On the other hand, it is dispersed by different kinds of securities and other investment projects. Therefore, the risk of investment funds is relatively small.
4. Strong liquidity and low cost.
Although an investment has high returns and is safe, it is not a good investment if it is illiquid and difficult to sell. Compared with savings, gold and real estate investment, another advantage of investment funds is their strong liquidity. Generally, open-end funds will be quoted and bought publicly every day, and investors can buy and sell at any time according to their actual needs. Closed-end funds can also be traded on the stock exchange, and the whole transaction and liquidation process is completed in the fastest 1 day. When investing in stocks, you may sometimes encounter the situation that the shares you hold cannot be sold, and you will be trapped, which will lead to problems in capital liquidity. Investment funds will not have this problem, and fund companies are obliged to buy back beneficiary certificates at the request of investors.
5. Special storage, high security.
In order to ensure the safety of investment fund assets, it is clearly stipulated in trust deed that fund assets cannot be controlled by the fund company, but must be held and kept by another independent trustee company, thus avoiding the phenomenon that fund managers abuse power for personal gain. Trustee companies are often banks, large multinational consortia or powerful investment institutions. They have a good reputation, advanced equipment and developed information network. The registered place of the fund is usually overseas, and the assets of the fund can be offshore. Even if the political or economic policies of the investor's country change, the investor's funds will not be frozen.
6. Variety and flexible investment.
In the developed foreign securities market, there are a large number of investment funds, involving all financial investment fields, and most of them invest internationally or offshore. Any industry or product that is valued by the market can be developed and utilized through the establishment and purchase of funds. If you think a country's bonds are worth investing but you can't buy them there, you can buy a country's bond fund through your country's fund management company. If you are optimistic about a country's stock market, you can also achieve your investment goals by subscribing to the country's funds. And there are many kinds of funds for you to choose from, such as bond funds, money funds, preferred stock funds or blue-chip funds. It can be seen that there are many kinds of investment funds, and investors can choose any fund that meets their own needs for flexible investment according to their actual situation.
7. Stable operation and considerable benefits.
Investment funds are similar to stocks, and their total assets are calculated by shares; Fund assets are divided into several "fund units", and investors share the value-added income of the fund according to their shares of "fund units". Moreover, because investment funds take measures such as portfolio investment, their risks are lower than those of stocks, while their returns are generally higher than those of bonds.