Stock fund is a kind of financial product that raises investors' funds and then gives them to professional fund managers for investment. So is it worth buying stock funds? Is the stock fund worth buying? The following small series also prepared relevant content for everyone's reference.

Do stock funds only invest in stocks?

Although the name of stock fund contains the word stock, in fact, the investment scope of stock fund is relatively wide, not limited to stocks. Specifically, according to different investment strategies, the portfolio of equity funds may also include some bonds and money market instruments. When the market interest rate is high, some equity funds will also invest in the bond market moderately. Bonds have the characteristics of stable income and capital preservation, and can provide certain hedging function when the stock market fluctuates greatly. In addition, in order to maintain liquidity and management flexibility, equity funds can hold a certain proportion of cash and money market instruments, such as short-term bank deposits and reverse repurchase of government bonds.

Is the stock fund worth buying?

There is no absolute answer to whether it is worthwhile to buy stock funds, but it depends on the individual goals and risk tolerance of investors. Buying equity funds has the following advantages:

1. professional management: stock funds are managed and adjusted by professional fund managers who have professional research ability and investment experience. Investors can use the professional ability of fund managers to improve their investment returns.

2. Low investment threshold: Compared with buying a single stock directly, the investment threshold for buying stock funds is lower. Investors can participate in the stock market in a small amount and enjoy the advantages brought by the size of the fund.

3. It should be noted that there are certain risks in buying equity funds, including market risk and return withdrawal risk. Investors should fully understand the investment strategy of the fund before buying, and choose according to their own risk tolerance and investment objectives.

Advantages of buying stock funds:

The expected return of 1 is relatively high, and the fluctuation range of equity funds is relatively large. Equity funds mainly invest in a basket of stocks, and the income of the fund is determined by this basket of stocks.

It is suitable for investors with high risk tolerance, because the purpose of equity funds is to obtain income beyond the market.

Disadvantages of buying stock funds:

1 The probability of loss of principal is high and the risk is high. Moreover, the transaction risk is relatively high, and it is easy to step on the thunder, and the investment level of investors is relatively high.

The investment target of stock funds is stipulated that 80% of assets should be invested in stocks. If the market is not good, the probability of the fund losing money is relatively high.

The above content is the analysis of the advantages and disadvantages of buying stock funds in this paper. Investors need to have a certain understanding of the advantages and disadvantages of products when they constantly choose what products. As we all know, funds can be divided into stock funds and bond funds according to different investment objects.

Because the stock market is unpredictable, investing in stocks requires higher personal learning ability. For ordinary people, there is still a difference between buying stocks directly and buying stock funds.

Is it cost-effective to buy stock funds?

First, there are too many public offerings of partial stock funds, and information disclosure is not as transparent and direct as stocks. It is more difficult for a citizen to choose a good fund than a good stock.

Second, don't judge the fund's cost performance simply by its net value. For example, a watermelon costs ten dollars. If you cut it into two pieces in the middle, each watermelon will cost five dollars. Watermelon will not improve its cost performance because it is cut into small pieces. However, many fund companies often mislead the people by splitting the fund share, thus reducing the net value of the fund and allowing the people who don't know the truth to buy in large quantities after the fund split.

Third, many people think that they can invest in partial stock funds without understanding stocks. This idea is wrong. As long as you still have the ability and desire to control the fund, including which fund to buy, when to buy and when to sell, you will operate the fund as a stock, and you will make the following mistakes: the wrong trading opportunity leads to high buying and low selling, short-term frequent operation leads to high cost, and long-term holding leads to you riding a roller coaster in the stock market, listening to some information to buy popular funds, and watching the net value of the fund get confused by the price every day.

Fourth, the product design of the fund is flawed, which makes the fund often become a reverse indicator, mouse warehouses occur, and various negative situations such as holding a group to warm up appear.

1. The death of the upper and lower positions stipulates that when the stock market obviously peaks, the fund cannot escape from the top by greatly lightening its positions.

2. Announcing the net value every day will expose the positions of other smart people and make the fund "rounded up".

3. Short-term performance ranking makes the fund's operating style more short-sighted and retail.

Five, the fund is a collection of a basket of stocks, the basic people's investment fund bears the systemic risk (the overall risk of a basket of stocks), and direct investment in individual stocks can effectively avoid the risk of "stepping on thunder".

Six, there are many ways to classify funds, according to the size of the initiative can be divided into active funds and passive funds.

Active fund refers to the fund manager who can actively increase or decrease positions and decide which stocks to buy or sell. If the basic people also use initiative (for example, increase or decrease fund positions and what kind of funds to buy and sell) to operate the fund, there will be four situations: the fund is correct and the basic people are correct, the fund is incorrect and the basic people are incorrect, and the probability of the best investment result is not high. When operating such funds, the citizens should minimize their initiative.

Passive funds refer to funds with relatively stable positions and basically fixed stocks. For example, the Shanghai and Shenzhen 300 Index Fund. Managers of such funds have no initiative, which creates conditions for capable citizens to play their initiative. In addition, because there is no need to actively adjust the position and target of the fund, the management cost of passive funds is lower than that of active funds. Low cost means low risk.

Seven, the fund company and the basic people are not the same interests, and the fund company is not worthy of the basic people's complete dependence. For example, when the market is at an all-time high of 6 124, it is impossible for fund managers not to know that the danger is coming, but most fund companies are still issuing a large number of partial stock funds. Perhaps the fund company thinks that if the citizen can be trapped on the "hill" and the citizen will not redeem the fund in a short time, the fund company can lie down and eat management fees every day.

For example, you want to play mahjong to win money, but you think you are not good at it, so you hire a "gunman" to play for you. Win or lose, you have to pay the gunner 10 yuan every game. At this time, the interests of the gunman and you are different. The gunman's main interest appeal is the service fee, and your interest appeal is winning or losing. Gunmen may also increase their income by deliberately "lighting guns" for others and then eating "kickbacks". Ji Min might say: I will sell the fund like a gunman. However, investing is slightly different from playing mahjong. Playing mahjong means re-betting every hand, and winning or losing will be known immediately. Investment is a one-time bet, and then play slowly. When I want to sell the fund, I'm afraid Ji Min doesn't want to suffer because of serious losses. In other words, a large loss will prevent the basic people from selling the fund.

In short, should I buy a fund? The key is whether you have the ability to take advantage of the advantages of the fund and actively overcome the shortcomings of the fund itself. Whether buying funds or stocks, investing or speculating, short-term holding or long-term holding, the main way for investors to make profits is to buy low and sell high. So the timing is very important. Only by correctly understanding the stock market can you grasp the opportunity. Whether the investment target is a fund or a stock is not the most important.

Is it cost-effective to buy stock funds?

Because stock funds are mainly funds that invest in stocks, the risks are relatively large. If the market is not good, there may be a serious loss of principal. For a simple example, suppose an investor buys a stock fund at a price of 654.38+100000 yuan, and the fund drops by 5% that day, so the loss is 654.38+00000 _ _ 5% = 500 yuan.

If the fund falls for several days in a row and investors suffer serious losses, they should be cautious when buying stock funds. Although you earn a lot when the market is good, if investors are unable to take risks, it is generally not recommended to buy.

If you are an investor who wants to pursue higher returns and can bear greater risks, you can also buy stock funds, but you should learn to look at the stock market when buying, because stock funds are mainly funds that invest in stocks. In general, the heavy stocks of stock funds are rising, then the fund will rise, the heavy stocks will fall, and the fund will also fall.

This is because for stock funds, stocks belong to the direction of investment targets and have a very important relationship with the rise and fall of stock funds. Therefore, investors should learn to look at stocks, and for beginners, stock trading needs to know the time and analyze it by themselves, so it is more difficult.

If you are an office worker who has no time, it is not recommended to buy a stock fund, because if you buy it and put it there, you may lose your principal seriously when the market is bad. Therefore, you need to be cautious when buying stock funds. First, you should consider your ability to take risks. Second, you should learn to analyze the heavy stocks of stock funds. In addition, the past income of the fund, the ability and scale of the fund manager, etc.