What are the benefits of buying a fund?
1. Funds have different investment directions and investment targets according to different risk levels. Generally speaking, they cover all the objects in the investment market, such as deposits, money funds, stock and bond funds.
2. The investment starting point of this fund is 1 yuan, 100 yuan, 1000 yuan or 50,000 yuan, and the subscription starting point is low, which is suitable for most investors to invest.
3. The coverage and investment scope of the fund are large, and the difference between risks and expected returns is also large. There are low-risk money funds and high-risk stock funds. The greater the risk, the greater the expected return.
4. As a net-worth wealth management product, funds generally do not set a wealth management period and have the characteristics of flexible subscription.
What are the advantages of saving money?
1. As a deposit, savings cannot be invested in the above-mentioned high-risk targets, so it is safer.
2. There is no deposit threshold for demand deposits, but the threshold for large deposit certificates is higher.
3. The safety of savings is very high. In general, the possibility of loss is very small. It has a fixed bank interest rate and low expected return.
4. Savings can be divided into current deposit and fixed deposit, with fixed deposit term and less liquidity than funds. Demand can be flexibly accessed and has high liquidity.
Which is better, fund or deposit?
To sum up, deposits and funds have their own advantages and characteristics, and different investors have different risk tolerance and investment tendencies.
Investors with high security and low liquidity can choose time deposits; Ordinary investors can choose investment funds, that is, low-risk money funds, bond funds, or high-risk hybrid funds and equity funds.
That's all about buying funds or saving money. I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.