① Must be more professional: Because having a professional fund manager to help us take care of it can save time and effort and make more money at the same time.
2 Investment is more diversified: Everyone should know that it is risky not to put all the eggs in one basket. For example, if you spend 100 yuan to buy a fund, in fact, your 100 yuan is equivalent to being divided into many small stocks and buying many stocks. It disperses the risks brought by a single stock.
2. What types of funds are there?
According to the income from high to low, it can be roughly divided into these categories:
(but remember one sentence, the benefits are accompanied by risks, and the risks of benefits are from high to low. )
Equity fund: More than 80% of the fund assets are invested in stocks, and the rest can be invested in bonds and currencies.
Hybrid fund: a fund that invests in instruments such as stocks, bonds and money markets at the same time without a clear investment direction.
Bond fund: More than 80% of the fund assets are invested in bonds, and the rest can be invested in stocks.
Money Fund: Invest in short-term monetary instruments, such as government bonds, central bank bills, bank time deposit certificates and short-term government bonds.
3. Where can I buy the fund?
① bank
The variety of funds bought in the bank is relatively complete, but it is inconvenient to go to the offline bank to buy, and the fund subscription fee is not discounted. Generally, when buying a fund, the handling fee is 1- 1.5%, and the handling fee of 1 ten thousand yuan is100/50 yuan.
② Fund companies
Buying in a fund company can only buy the fund's own products, just like Nike stores can't sell Adidas. Generally, you can buy this in the fund company official website or APP, and the subscription fee is also discounted, but it is a single type.
③ Third-party platform
Third-party platforms are different. The types of funds here are very comprehensive. Just as Taobao can sell Nike or Adidas, it can be purchased on a third-party APP. 10% off the subscription fee, 1 ten thousand yuan 10- 15 yuan.
The above is the relevant knowledge about fund financing, and I hope it will help friends who want to know the content of financing!