*** mutual fund

What is * * * mutual fund

* * The concept of mutual fund is actually very simple, which is a fund-raising investment tool that collects a lot of small money to make big money and gives it to a special person or a professional organization for operation and management to obtain profits.

In China, the official name of * * * Tong Fund is "Securities Investment Trust Fund", which is a beneficiary certificate issued by a trust company in the form of trust deed. The main investment targets are securities such as stocks, futures, bonds and short-term bills.

in the United States, it is commonly known as * * * mutual fund, which not only invests in securities, but also invests in gold (or other precious metals), futures, options and real estate.

In addition, funds in the UK system (including many overseas mutual funds issued around the world) are called "unit trust", and the investment targets are quite diversified.

*** Advantages of the same fund

Diversified investment risks

*** The assets of the same fund are larger than those of ordinary investors, so it is enough to spread the funds among different stocks and even different investment tools, so as to achieve real risk diversification, and not to cause heavy losses due to a wrong stock selection.

professional operation management

*** With the fund company, professional fund managers and research teams are engaged in market research, and they have a deep understanding of the overall and individual investment environment at home and abroad, as well as the situation of individual companies. Moreover, as long as you spend a little fund management fee, you can enjoy the services of experts, which can be said to be the best gospel for small investors.

the best tax-saving channel (1) domestic funds: when the bid-ask spread of stock funds generates profits, they can be exempted from tax according to the current laws and regulations; As for the fund's interest distribution to investors, if the source of this interest distribution is generated by the investment target, it must be included in the comprehensive income tax, and it can enjoy a tax exemption of 27, yuan according to the special deduction for savings and investment.

(2) Overseas funds: At present, China's tax law adopts territorialism, and individuals invest in overseas funds, regardless of the capital gains or interest distribution generated by the bid-ask spread, they do not need to be included in personal income for tax returns, so they can legally save taxes.

Liquidity is quite flexible

When investors don't want to invest, they can choose to quit at any time. The money for redeeming domestic bond funds can be received on the next business day, and domestic equity funds and overseas funds can get the money in about one week. Unlike other investment tools, there is a risk of not selling.

a small amount of money can be invested in the world

*** The same fund is to spread the investment in different targets, even in different financial markets (regions and countries). Investors can share the fruits of economic growth in various regions of the world with a minimum of 3, yuan (fixed time quota). Compared with other investment tools, the lower investment limit is much smaller.

high security

*** The same fund adopts the principle of separation of custody and operation. If the fund company or custodian bank goes bankrupt unfortunately, the creditor may not request to detain or exercise other rights on the fund assets, and the rights and interests of investors will not be affected.