According to the trading place, funds can be divided into two categories: on-site funds and off-site funds, in which on-site funds refer to funds traded in the stock market and off-site funds refer to funds traded outside the stock market. So what's the difference between on-site funds and off-site funds? The following small series will answer your question.

Which is higher, on-site fund or off-site fund?

Affected by the trading volume, the fluctuation of on-site funds is greater than that of off-site funds, but this does not mean that the income of on-site funds is greater than that of off-site funds, and sometimes the decline of on-site funds is greater than that of off-site funds.

Like stock trading, investors can enter the fund code in the trading interface, enter the buying quantity or selling quantity, and click the buying or selling option. For OTC funds, on some trading software, enter the OTC fund code, enter the amount, and click the purchase or redemption option.

At the same time, investors can use the spread between on-site funds and off-site funds for arbitrage. For example, when the etf price in the market is less than the net value, that is, when the fund is discounted, retail investors can buy etf fund shares at a low price in the secondary market, then redeem the shares in the primary market with the net value, and then sell the shares in the secondary market to complete arbitrage; When the etf price in the market is greater than the net value, that is, the fund premium, retail investors can buy a basket of stocks from the secondary market, then convert them into etf fund shares according to the net value in the primary market, and then sell ETFs at high prices in the secondary market to complete arbitrage.

Why don't most people put their money in the fund?

Most people don't put their money in the fund because some conservative investors are afraid of risks, while some radical investors feel that the returns are not high enough and add up to more. Some conservative investors are generally older or young people who have just graduated.

Older investors are afraid of the risks brought by their own funds, because the funds do not guarantee the principal and interest, so they are afraid of losses. These investors usually put their money in time deposits, demand deposits, treasury bonds, etc., because both time deposits and demand deposits are guaranteed capital and interest, and there will be no losses, while the risk of treasury bonds is very low, but the liquidity is not very good.

Young people who have just graduated are generally short of funds and have relatively poor risk tolerance. If the purchase fund loses money, it will also have an impact on their lives. Secondly, some young people spend too much in advance and have no money to manage their finances.

In addition, some radical investors feel that the income is not high enough, because the risk and income of the fund are not as high as that of the stock market, and some radical investors will go to the stock market, so they will despise the income of the fund. If you put money into the stock market, there will be no investment fund.

Therefore, some investors are afraid of losing money, and will deposit them in bank time deposits or deposit interest rates, while some investors are interested in high returns and will invest in the stock market, so most people have no investment funds. This is only a relative term, which does not mean that there are few people investing in funds. There are also some people who invest in funds, and the risks and benefits of funds are somewhere in between.

In addition, funds will be classified, generally divided into money funds, bond funds, hybrid funds, index funds, stock funds and so on. Among them, money funds have the least risk, which conservative investors can consider, while hybrid funds, index funds and stock funds have greater risks. If investors want to buy, they must know more about funds before buying. It would be easier if they didn't know anything.

65438+ 1 100 million bought the foundation and lost money?

65438+ 1 100 million bought the foundation and lost money? Theoretically, it is possible to lose money, because according to the relevant regulations, the biggest loss of the fund is the loss of principal. But in practice, the probability of light loss is very small and basically does not exist.

First of all, we should know that the risk of funds is relatively low compared with stocks, because funds are a kind of portfolio investment and the risks are relatively scattered. Stock investment is relatively simple and the risk is relatively concentrated, so the risk of the fund is relatively low.

Secondly, the worst result of the fund is the liquidation of the fund. According to relevant regulations, if a fund's assets are less than 50 million for a long time, or the fund holders are less than 200 for a long time, then the fund may be liquidated.

If the fund we hold is liquidated, our principal will not be completely lost and our money will not run away. After the liquidation, the fund company will compensate the investors according to our fund shares and liquidation rules.

What does OTC fund mean?

Off-exchange fund means that there is only one net value per day as the price for subscription and redemption. Ordinary open-end funds belong to OTC funds.

The operation mode of OTC funds is subscription and redemption. Moreover, the transactions are all carried out according to the net value, and the transactions during the trading hours are calculated according to the net value at the close of the trading day. T+ 1 is adopted, and the market share is determined on the second trading day. There is no price limit and there is no requirement for the minimum number of transactions. The OTC funds will only have one transaction price a day, which is the net value after the close of the day. Over-the-counter funds can be traded as long as investors purchase and redeem them, and there will be no situation that the price limit will lead to the inability to trade.

Why didn't the fund lose money after one or two years?

The fund is a risky investment. If the fund you buy is a good fund, and the fund rises more and falls less, then if you hold it for a year or two without losing money, it means that the investment target of this fund is good and the fund has risen, then investors are making money.

There are many kinds of funds. If it is a money fund or a pure debt fund, it is normal to hold it for one or two years without losing money, because the risks of these two types of funds are very small and there are few losses. They have never invested in the stock market, so they are more likely to make money.

However, if it is a high-risk fund type, such as stock fund, hybrid fund and index fund, and it can be held for one or two years, it means that this fund is good and worth holding for a long time, because this kind of fund is risky, so it fluctuates greatly.

Generally speaking, holding relatively high-risk funds for a long time can reduce the risk to a certain extent, because it can average the fluctuation risk brought by short-term funds. From the perspective of fund handling fees, it is more cost-effective to hold funds for a long time than to hold funds for a short time, because some long-term funds are exempt from redemption fees to a certain extent, but if they are only held for a few days, the redemption rate will be more expensive.

In addition, it should be noted that fund fees are divided into two types: A and C. Among them, fund A will not charge investors' sales service fees, but will charge subscription fees and subscription fees, while fund C will charge investors' sales service fees, but will not charge subscription fees and subscription fees.

Therefore, Fund A is suitable for long-term investment and Fund C is suitable for short-term investment. If it is held for a long time for one or two years, the fund handling fee can also be reduced. For fund A and fund C, part of the handling fee can be reduced, so the possibility of losing the handling fee is reduced, but it depends on the fund rules. Generally, if it is held for a long time, it is more likely to be exempted from handling fees.

Is the fund valuation falling sharply suitable for buying?

It depends on whether the fund valuation is suitable for buying. When the fund's valuation plummets, the first thing to do is to analyze the reasons for the fund's plunge, whether the fund itself or the market is not good, and most funds are falling.

If it is due to the reasons of the fund itself, such as the fund manager's misoperation, or the fund itself is not good, the fund always falls more and rises less, then it is not recommended to buy it. It may be a bottomless pit, and the more you lose, the more you lose.

If most funds fall because of the influence of market factors, then you can wait and find the right opportunity to buy, because when most funds fall, they are generally funds that have a big relationship with the stock market. When the stock market is bad, funds will also fall. When the fund valuation is low, the fund has investment value, the fund has more room for growth, and the investment fund has greater probability of gaining income.