Personally, I suggest that we can invest in trust through trust third-party institutions and choose trust products through third parties, so that we can choose a wider range and contact more products, and the value-added service industry of third-party institutions is better.
When choosing a trust, individuals should put the safety of the project in the first place, such as the source of repayment, the qualifications of the project party, credit enhancement measures and so on.
Two. Types of investment trusts
1, enterprise investment fund
Corporate investment fund is to set up a fund joint-stock company, issue beneficiary certificates to raise investors' funds, entrust the fund manager company to manage and operate the fund, and entrust financial institutions to keep the fund in principle.
2. Contract investment funds
Contractual investment funds, also known as trust investment funds, are based on certain trust deed principles. An investment fund formed by the fund promoter, fund manager and fund custodian signing a fund contract. Fund management companies are responsible for the operation and management of funds according to laws and regulations and fund contracts; The fund custodian is responsible for keeping the fund assets and executing the relevant instructions of the administrator. Deal with fund transactions in the name of the fund: investors can enjoy the investment income of the fund by purchasing fund shares. Britain, Japan, China, Hongkong and Taiwan Province Province are mostly contractual funds.
3. Closed-end funds
Closed-end fund. That is, a fund whose funds are fixed and cannot be repaid within a certain period of time. Its characteristic is that fund shares will not be sold to investors after issuance. Investors can buy and sell their fund shares in the securities market, but they cannot directly demand the redemption of investment funds.
4. Open fund
Open-end fund. That is, the capital formation is not completely fixed, and the funds issued by it can be redeemed according to the net asset value. The characteristics of open-end investment funds are: the issuer of fund shares has the obligation to buy back the funds issued by them at any time according to the net asset value at the request of the beneficiaries, and pay them immediately.
5. Domestic funds
Domestic capital means that the funds come from domestic investors, and the investment target is also in China.
6. International funds
International funds refer to funds whose sources and investment targets are in different countries, also known as "overseas funds".
Third, the challenges faced by investment trusts.
Development of China Trust and Investment Fund: China Trust and Investment Fund came into being in the early 1990s and was divided into two stages: new fund and old fund.
1. The development of the fund will gradually change from top to bottom.
2. Adapt to the transformation from closed-end fund to open-end fund.
3. The new development form also puts forward new requirements for the coordination between the fund industry and other industries.
4. With the development of fund industry, it is necessary to gradually establish a scientific and perfect fund evaluation system.