1. What are the advantages of the fund?
1. Portfolio investment can spread risks and improve returns. The amount of funds is very large, from dozens of stocks to hundreds of stocks. Through diversified means, even if two or three of them are not well managed, it will have little impact on the overall investment effect. Diversified investment by purchasing funds can reduce investment risks.
2. Friendly and close to the people, and the investment threshold is extremely low. The balance treasure and change pass that are usually used belong to the category of money funds. One dollar can be invested, which is very friendly to Xiao Bai, who has just joined the work and has little money in his hand.
3. The investment is more professional, and the old driver leads the way, saving effort and worry. At present, many fund managers have at least a master's degree or even a doctor's degree and have much more investment experience. Looking at the research report, the ability to study the company's financial statements is higher than that of ordinary people.
Second, what determines the rise and fall of the fund?
1. In terms of constituent stocks, if the heavyweights of a fund continue to go up and down, then the net value of the fund will also be seriously affected.
2. The fund pays dividends. On the ex-dividend date, the fund deducts the dividend amount according to the net value of the fund, which is likely to cause the fund that originally rose to look down. However, if we judge according to the accumulated net value, we will find that the fund dividend has no effect on the fund's rise and fall, because the accumulated net value has considered the factor of fund dividend.
3. Huge redemption may lead to a sharp rise or fall in net worth. This is mainly because there is a handling fee for fund redemption. If these expenses are particularly large, the net value of unit funds of other investors will increase accordingly.
To sum up, most people will choose investment funds as long as they have a little spare money, but when investing in funds, they must know the market and don't invest blindly, because investment is risky and needs to be cautious. You can find a good fund manager, but don't blindly believe what others say, you should have your own judgment.