There are broad and narrow definitions of funds. In a broad sense, funds are the collective names of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the perspective of accounting, fund is a narrow concept, which means funds with specific purposes and uses. Because the investors of the government and institutions do not require investment returns and investment recovery, but require the funds to be used for designated purposes according to the law or the wishes of the investors, funds are formed.

The funds we are talking about now usually refer to securities investment funds.

securities investment fund is an indirect way of securities investment. By issuing fund units, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks), managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then * * * bear investment risks and share profits

At first, ordinary investors will have such questions:

1. I don't have a fund account, how can I open an account?

Answer: Bring your ID card, first get a bank card, which is the savings card of your bank, and then get a fund account card. You tell the bank staff that you want to open a fund account, and they will tell you what to do. You just have to do what they say. The savings card charges 1 yuan, and the fund account card is free

2. Can I buy it online after opening an account? What should I do?

Answer: For example, if you are an ICBC card, you can log on to the ICBC website and register, and then: online securities-online fund-fund transaction-fund purchase

3. Is there any difference between online purchase and bank purchase?

a: the biggest difference is that there will be a certain degree of discount for buying fees online! Another thing is convenience, so you don't have to wait in line at the bank counter.

4. What's the handling fee? How much is the difference between online and in the bank?

when you buy a fund, there will be a subscription fee, which is generally 1.5%; When you sell the fund, there will be a redemption fee, usually .5%. There will be a certain discount on the handling fee for online fund purchase

5. What is the minimum amount of money to buy a fund: < P > If it is a one-time purchase, it should be at least 1 yuan;

if the risk tolerance is not great, if you buy funds to preserve value, you can consider some bond funds or money funds. . Generally, the income of these funds exceeds the bank interest in one year, and the problem is not big ~

If you are willing to take some risks and pursue long-term interests, I recommend Harvest 3, an index fund. . Because in the long run, the market is sure to rise. . . We all have confidence in China's economy, hehe (as can be seen from the performance of Harvest 3 in the first quarter of 29, the increase is more than 3%)

Harvest Hushen 3 tracks the Shanghai and Shenzhen 3 Index, and relevant research shows that only when the market value of the constituent stocks of the stock index reaches more than 7% can we ensure sufficient market coverage and truly and comprehensively reflect the dynamic evolution of the market share price. The Shanghai and Shenzhen 3 Index spans the Shanghai and Shenzhen stock markets. The total market value of its constituent stocks accounts for 81.82% of the total market value of Shanghai and Shenzhen stock markets, and the circulating market value accounts for 69.92% of the total market value of Shanghai and Shenzhen stock markets, which is much better than other indexes in covering the domestic stock market. At the same time, after more than 65% oversold in 28, the valuation advantage of Shanghai and Shenzhen 3 is relatively obvious, showing good investment value.

there's also a Rongtong Shenzhen Stock Exchange 1, and its growth capacity is also very good. . But to remind you, when choosing index funds, you should pay attention to the risks. You can choose either of the above two. . . Then you can add a stable hybrid fund like Huaxia Return. . I think this combination is reasonable

I'd better wish you a smooth investment ~