Top ten reasons to buy a fund? Why do investors choose to buy funds? What kind of magic is behind the fund? Is the income really so considerable? The following are the specific reasons for purchasing funds compiled by Bian Xiao, hoping to provide some help to everyone.
Specific reasons for purchasing funds
Investors choose to buy funds for the following reasons:
1. Compared with stocks and futures, funds have less risk and higher returns than bank deposits. Investors can get higher returns than bank deposits through investment.
2. The funds raised by the fund are handed over to professional investment managers, which is superior to individual investors in strategy. For investors, there is no need to have more professional financial management knowledge.
3. The investment threshold of the fund is low. Some funds can buy as long as the threshold is dozens, while stocks need to buy at least 100 shares, and bank time deposits are tens of thousands or even more.
4. The funds raised by the fund are invested in multiple markets or multiple stocks. Compared with investors paying for a stock or a single wealth management product, it effectively disperses risks.
Investors can adopt the method of fixed investment when purchasing funds, and spread the cost of positions and risks by increasing their share.
Ten reasons to buy a fund
1. The fund manager works for you
The essence of the fund is to entrust experts with financial management. The fund manager will help you analyze various reports, visit enterprises and make various research decisions. This is financial management on behalf of customers.
It is difficult to understand if you don't study the investment market day by day. The so-called profession has specialization, and the interlacing is like a mountain. Let the fund manager handle professional things and let us do our own things.
2. The risk is less than the stock.
Simply put, funds invest in many stocks. So the rise is not as much as some big bull stocks, but the decline will also be averaged. Greatly reduce the loss in probability. At the same time, fund managers have a better understanding of the things behind these stocks, and their portfolios are often superior to stocks in terms of risks and returns.
The income is still very good.
In the bull market, many funds earn more than 50% annualized income, even 100%. Even if you invest 1 10,000, you will finally get back1.5,000 to 2 million, which is a rate of return that real estate speculators can't catch up with. Of course, a bear market can also buy bond funds, and the "fixed income+"strategy protects the capital. Just what kind of market and how to allocate funds can consult professionals.
4. Less threshold restrictions
You can't buy GEM stocks for less than two years. Margin financing plus leverage threshold, opening at least 654.38+ 10,000. The threshold for science and technology creation is 500,000. Without a market value of 200,000 to 300,000, you are not satisfied, and you have to worry about the fluctuation of positions. There is no such restriction on buying funds. From 100 yuan, you only need to pay a handling fee of about 1%.
Save time and cost
Stock market trading hours are the busiest time for office workers, so there is no time to wait for orders when buying stocks. Buying a fund as a medium-and long-term investment does not need to be operated every day, mainly depending on whether the economic trend is adjusted. It is enough for the fund to operate once or twice a year on average. Some people don't even sell funds for years. So it may reduce the cost compared with buying stocks.
Bogle, the originator of index funds, said that what you save is what you earn!
6. The investment variety is super rich
There are many kinds of funds in different ways, except stock funds and bond funds. There are also industry funds that invest in oil and gold. In short, the investment scope behind the fund can be very wide. You can usually find what you want. Through the fund, you can participate in Hong Kong stocks, European and American stock markets, US dollar bonds, bulk markets and stock index futures. Retail investors themselves want to participate directly, and the threshold is much higher.
7. Profit diversification
In terms of stock trading, the profit model is still relatively simple, mainly holding shares to be increased and doing more unilaterally.
In contrast, the fund structure is complex, and there are more profit models besides fund holdings.
For example, ETF or graded fund, you can get the difference between net value and price through subscription and redemption-in the case of market madness, the profit of graded fund arbitrage for two days 1 round may be 20%-at the same time, you can also share the profit of fund holdings. How cool.
8. There is also a skill called fund fixed investment.
Zeng Guofan has a famous saying: "Fight hard in a down-to-earth manner". From the perspective of investment, it is said that the foundation has invested. The tool of fixed investment is a "hard village" in itself. No matter whether the market goes up or down, it is a "battle" to insist on fixed investment. The market fell the best, and the "hard village" was tied more firmly with lower costs; It sounds good. The success of "waiting for war" turned into "victory" and did not affect our work, life and study.
9. Management support
In the third quarter of this year, the CSRC issued a new institutional supervision announcement "Further Optimizing the Product Registration Mechanism in Public Offering of Fund". According to the circular, in order to give full play to the advantages of professional investment management in Public Offering of Fund and better serve the wealth management needs of residents, the securities fund institution supervision department strongly supports fund managers to carry out Public Offering of Fund business in accordance with laws and regulations, effectively docking various long-term funds such as bank public offering, pension and insurance.
It is generally believed in the industry that expanding medium and long-term funds through public offering will help to further strengthen the strength of professional institutional investors and create a "ballast stone" for the stability of the capital market. As a professional institutional investor, Public Offering of Fund adheres to the concept of value investment, professional investment and long-term investment, and guides the market to invest in high-quality securities based on fundamentals, which is conducive to the long-term stable development of the market. It can be seen that the purchase of Public Offering of Fund is a ballast stone to participate in the mainstream market, and it can also embark on the fast lane of investment through the continuous support of supervision.
10. What can I do without buying a fund?
There are only several investment methods: deposit, income 1%-3%, which can't be said to be completely risk-free. The deposit insurance system only protects 500,000 yuan.
Buying wealth management, the income is 4-6%, but it doesn't break even, because now it's all net worth wealth management, the essence of which is to invest in bonds and stocks, but it's actually a fund.
There is no guarantee that high-net-worth customers will get 5-8% income when they buy the trust. There is either a government endorsement on the back of the product (the government seal can't be stamped yet) or a land or house mortgage.
There are also local tyrants who want to buy equity products, thinking that high risks and high returns, but after all, equity is not a bond, and equity can be worthless. Without enterprises, the so-called gambling agreement is also a dead letter. Moreover, in order to spread risks, equity products generally invest in many projects, some of which eventually succeed and some fail. After five or seven years, 20% don't know whether there is annualized income. Most of them are actually not available, and the consumption of key liquidity is also very severe.
Finally, looking at Public Offering of Fund, the starting point is low enough, 100 1000, and the income is getting better and better, with an annualized calculation of 50%- 100%. I wonder if you have noticed. Fund bull market is not equal to stock bull market, but more frequent and easier to grasp than stock bull market.
Why buy a fund?
Everyone knows that there are many retail investors in Da A, and many companies also provide various research strategies, but they may not understand them. Therefore, many retail investors generally give you the feeling of following the wind and chasing the rain, but it is precisely because of the existence of retail investors that they will highlight the advantages of institutional investors. Institutional investors not only have a lot of information, but also have professional investment experience, so it is a safer choice to leave professional things to professional people.
Second, in our economic environment, many bosses will lament that "money is worthless". In fact, this can directly prove that our money is shrinking every day. It is often said that the stock market is a slaughterhouse for retail investors, futures is a meat grinder for amateurs, bank interest is low and the property market has a threshold. So in such a market, the fund is not necessarily a good choice, but it is the least bad choice.