1. Capital security, bank custody?
Friends who are new to the fund usually worry: if I buy a fund on a certain platform, is the money I buy a fund bound to this platform? Don't! Because the money you buy the fund is not placed on this platform, or even in the fund company, but in the bank custody. In order to ensure the safety of fund assets, the Fund adopts the mode of mutual checks and balances. The CSRC stipulates that fund assets should be kept by commercial banks with custody licenses, while fund companies are only responsible for the investment, operation and management of funds. Take Cathay Pacific Growth Mixed Optimization Fund as an example. Its custodian bank is China Merchants Bank. When you buy this fund, the money will be kept by China Merchants Bank, and even the fund company can't misappropriate it at will. The platform can't participate in the actual operation of the fund and can't touch your money at all.
China's Securities Investment Fund Law also stipulates that fund property is independent of the property of fund managers and fund custodians. In other words, the fund assets you own are separate from the fund company's own assets. Even if the fund company goes bankrupt, your fund assets will not be affected. If a fund company wants to issue a new fund, it must also obtain the approval of the CSRC. After approval, the daily operation will also be subject to irregular supervision by the CSRC, and there will be strict industry norms such as information disclosure and profit distribution. Therefore, if you invest in funds, you don't have to worry about the safety of funds.
? 2. Professional team management, high income?
The fund can help me make money. In addition to the professional investment ability of fund managers, there is another important reason: the research team of fund companies, stock researchers and bond researchers who provide stock allocation advice, stock researchers and bond researchers who provide stock allocation advice, and so on. They spend a lot of time studying domestic and international market conditions and various financial data of listed companies every day, and have a professional analysis of macroeconomics, industry development, company operation and market trends, which will provide fund managers with a? Stock pool? , used for investment decisions.
In addition to carefully selecting stocks and bonds, the fund also has a strict risk control system. For example, the Risk Control Committee to prevent internal mistakes of the fund will conduct strict risk control and real-time monitoring on the investment link. Externally, fund companies must abide by the CSRC's? Double ten principle? That is, the total number of all funds of a fund company holding the same stock cannot exceed10% of the market value of the stock; Moreover, a fund holding the same stock shall not exceed 10% of the total assets of the fund. Therefore, under the constraint of this principle, even if a stock held by the fund falls badly, the loss of the fund will not be too serious.
More importantly, the interests of fund managers and our investors tend to be consistent. The better the fund income, the better the performance of fund managers, and the more income investors get, the more people will be attracted to invest, and the fund scale will become larger, so that fund companies can charge more management fees and eventually form a win-win situation.
? 3. The investment threshold is low, just 10 yuan to start?
The investment threshold of the fund is very low, which means that the initial purchase amount is relatively low, and friends can decide how much to invest according to their own financial resources.
4. Good liquidity and convenient redemption at any time?
In addition to the low investment threshold, the fund also has strong liquidity. As long as you invest in an open-end fund, you can redeem it at any time. For example, if you are in a hurry to use money or feel that the income is high enough, you can redeem it. This is much more convenient than P2P, and you don't have to worry about the deadline. Because the investment objects of the fund are all assets such as stocks and bonds with excellent liquidity, they are easy to realize; Moreover, the fund itself will reserve a certain proportion of reserve funds to deal with redemption. Small partners can decide the investment period according to their own needs and market changes.