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.

Capital risk

There will be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose. But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is losing money for a long time, provided that you invest for at least half a year. [What is fund risk]

Step 6: Explain with concrete examples.

Take the Great Wall of Jing Shun as an example. The price of 65438+February 7th was 1. 1 17. The price of 65438+February 8th continued to fall, because the whole stock market was also bearish. From 65438+February 1 1 to 65438+February 15, that is 1. 186, that is, if you arrive at1/kloc on February 7, 65438. From 65438+February 1 1 to 13, you can earn commission. The difference between 1. 134 and 1. 186 is your share. It may fall after 65438+February 15, and your profit will gradually shrink or even be lower. Reasonable, this is the rise and fall of the fund. The rise and fall of the fund is generally related to the rise and fall of the stock market, which is directly proportional to the accident. As the market continues to rise in a volatile state, the fund is also slowly rising (in the past six months).

Step 7 teaches you how to buy a fund.

Generally speaking, it is a bank agent, and different bank agents have different types of funds; Or buy directly at the designated place of the fund company. When buying in the bank, I hold my ID card and a debit card with the purchase amount written on it at the window. The time is 9: 30 am to afternoon 1 1, afternoon 1 to 3 pm.

Other problems of investment funds.

Fund reinvestment: refers to funds that fall back after dividends. The reverse price of such funds is generally similar to that of newly issued funds. The advantage is the freedom to buy and sell, and there is no preparation period of 2 or 3 months. The disadvantage is that buyers are often slightly higher than the newly issued 1 yuan, but not much higher.

Step 9 Dividend payment

When the price falls, the profit has been returned to you according to the difference between the number of shares you bought and the net value of the unit, so don't worry about the redemption period before dividends. For example, if you spend 1 yuan to buy 10000 shares (ten thousand yuan), you will pay dividends on the day when the unit net value is 1.7 17 after half a year, and then fall back to 1, then you will lose the handling fee of 0.0 17. This part of the profit, if you plan to continue investing, will become your fund share, and redemption will be realized.

10. Conclusion

Fund is a good way to manage money, although it has certain risks, but it is much less than stocks, which is very suitable for beginners to buy funds as the first step. But we must choose the issuing company very carefully, and we must not worry. It is safer to invest for at least half a year. Generally speaking, compared with stocks, the risk is small, and the long-term holding yield is high, generally 60%-80% of the net income.