Funds include Public Offering of Fund and private equity funds.

Public Offering of Fund is a fund that publicly issues beneficiary certificates to unspecified investors to raise funds. Generally, under the strict supervision of laws and regulatory authorities, there are industry norms such as information disclosure, profit distribution and investment restrictions.

Private equity funds are funds raised privately or directly from specific investors. Private equity funds can only raise private equity from a few specific investors, which has certain requirements for investors' investment ability.

At the same time, the regulatory requirements for information disclosure and investment restrictions are lower and the methods are more flexible.

For ordinary investors, they are basically exposed to Public Offering of Fund, and there is strict legal supervision, so there is no need to worry about the safety of funds.

The first step is to understand what a fund is.

To put it bluntly, a fund is a part of the money you invest in a fund company, and the traders of the fund company use your money to invest, usually in the form of stocks. It is also equivalent to paying professionals to buy stocks for you. So it is very important to choose a good fund company! Only when the fund company makes money can you make money.

Broadly speaking, funds are the collective name of institutional investors, including trust investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. The funds in the existing securities market include closed-end funds and open-end funds.

It has the characteristics of profit function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.

The second step is about how to calculate the profit and loss.

In other words, the fund company will give you corresponding dividends according to the number of shares you buy and the difference between the net value of the unit on that day and the net value on the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value.

other charges

A certain handling fee will be charged at the time of purchase, generally 0.0 12 per share and 0.005 at the time of redemption. For example, the unit net value on the day you buy is 1 yuan.

You bought 10000 shares (one * * is 10000 yuan), and one * * needs to pay a handling fee of 170 yuan. If you use online banking, there will be a corresponding discount, and the handling fee is about 1 10. The fees charged by different banks are different.

The fourth step is the fund period.

It is generally divided into three stages: subscription period, operation period (closed period) and subscription period. At first, it was a subscription period, usually about half a month. In this half month, you can only buy and cannot redeem (sell), and the buying price is generally 1 yuan.

Then enter the operation period (closed period), during which the fund company takes your money to open a position, which can also be said to be the preparation period, which generally does not exceed three months. After opening, most of the foundation will increase, and some will fall back to 0.9* or lower. Don't think that you have lost money at this time, because your investment has just begun.

Next, enter the subscription period, at which time you can buy and sell freely.

Capital risk

There will be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose.

But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is losing money for a long time, provided that you invest for at least half a year. [What is fund risk]