5-point fund refers to the fund products that investors can only invest in 5 yuan RMB to purchase fund shares. This fund product developed relatively late in China, but it has developed rapidly in recent years. Five-point fund can make more small investors participate in the fund market, lower the investment threshold of the fund, increase the allocation choices of investors, and at the same time bring the possibility for fund companies to open up a broader market.

The five-point fund is actually a "zero-fee" fund product, that is to say, you don't need to pay sales service fees, management fees and other fees to buy the five-point fund. Such fund products are very attractive to small capital investors, who can buy funds only by paying 5 yuan RMB, which means that even if the investment is unsuccessful, their losses are very small and their risks are controlled.

Although a five-point fund can lower the threshold of fund investment, there are certain risks. Due to the small amount of funds purchased by the 5-cent fund, for fund companies, the proportion of investors with smaller funds is large, and it is difficult to achieve scale effect. At the same time, the performance of fund products and the trend of the market have a great impact on investors' income. Therefore, when investors buy 5-cent funds, they should treat risks and returns rationally and choose the right investment portfolio.