We can also see that many newly established funds were robbed by everyone at the beginning of 20021,even exceeding the fundraising scale of the fund itself. Personally, buying a fund can mainly bring me the following benefits.
high income
First of all, the first is high income. Compared with financial products such as bank deposits. The income of the fund is very high, because we put the money in the bank and only get 2.0% income. But our prices go up every year and inflation is very serious. We actually devalue money by putting it in the bank. I put my money in the fund, and the income will be higher, especially some partial stock funds.
form good habits
In addition to the fund's own income, I think the fund can bring me good financial habits. Because I used to be a person who couldn't manage money, I basically spent it when I got paid. By the end of the year, you will find that you can't save much money at all, but after learning to manage money with funds. I began to learn about saving and investing. Because I take the way of fixed investment. Put about 1/3 of my salary into the fund every month. I made a fixed investment the day after I got paid. Unconsciously, I found that I had saved hundreds of thousands of wages in three years and put them in the fund, which had extra income. Under such circumstances, it also helped me get the first bucket of gold in my life and made me feel the value of financial management and savings.
risk sharing
In fact, besides investment funds, I also chose other investment methods, such as putting money into the stock market. But the stock market has a problem, that is, although sometimes, it can bring us very high returns. However, there will be times when the income suddenly drops, and sometimes even my principal will be lost. So I think it's very risky. The fund is actually a compromise. Not as low as bank deposits and not as risky as stocks, so funds are a reasonable investment direction between the two. So I think the fund has brought me a lot of income points.