To put it bluntly, a fund is a part of the money you invest in a fund company, and the traders of the fund company use your money to invest, usually in the form of stocks. It is also equivalent to paying professionals to buy stocks for you. So it is very important to choose a good fund company! Only when the fund company makes money can you make money.
Broadly speaking, funds are the collective name of institutional investors, including trust investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.
The second step is about how to calculate the profit and loss.
In other words, the fund company will give you corresponding dividends according to the number of shares you buy and the difference between the net value of the unit on that day and the net value on the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value.
other charges
A certain handling fee will be charged at the time of subscription, generally 0.0 12 per share, and 0.005 at the time of redemption. For example, if the unit net value on the day of purchase is 1 yuan, and you buy 10000 shares (one * * is 10,000 yuan), then one * * needs to pay 65,438+. If you use online banking, there will be a corresponding discount, and the handling fee is about 1 10. The fees charged by different banks are different.
The fourth step is the fund period.
It is generally divided into three stages: subscription period, operation period (closed period) and subscription period. At first, it was a subscription period, usually about half a month. In this half month, you can only buy and cannot redeem (sell), and the buying price is generally 1 yuan. Then enter the operation period (closed period), during which the fund company takes your money to open a position, which can also be said to be the preparation period, which generally does not exceed three months. After opening, most of the foundation will increase, and some will fall back to 0.9* or lower. Don't think that you have lost money at this time, because your investment has just begun. Next, enter the subscription period, at which time you can buy and sell freely.