This kind of finance can be purchased by ordinary people.

1. Low investment threshold: The starting amount of investment in fund products is relatively low. Whether it is an over-the-counter fund or an on-market fund, the minimum purchase amount is low, and some funds even only require a few dozen. You can invest with only RMB or hundreds of RMB.

2. Risk diversification: The fund pools funds from many investors, is managed by professional fund managers, and diversifies the funds into a variety of assets (such as stocks, bonds, money market instruments, etc.), thereby Realize the diversification of risks and reduce the risks caused by a single asset.

3. Professional management: Fund investors do not need to have professional investment knowledge and skills. Fund managers are responsible for investment decisions and portfolio management, and investors can obtain market returns with the help of their professional knowledge and experience.

4. Relatively stable returns: Compared with individual stocks, the risks and returns of funds as a whole are more balanced, especially debt-oriented and hybrid funds, whose volatility is usually less than that of the stock market. Fund products are expected to bring relatively stable returns through long-term investment.

5. High flexibility: Funds usually have good liquidity, and investors can easily carry out subscription and redemption operations. Some funds support fast redemption services and can meet short-term capital needs.