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Explanation of basic knowledge of fund
A fund refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. People usually refer to funds mainly as securities investment funds.

Classification of funds:

First, according to whether fund units can be increased or redeemed, they are divided into open-end funds and closed-end funds. Open-end funds and closed-end funds are isomorphic, forming two basic modes of fund operation.

Open-end funds are not traded on the market (as the case may be), and the fund scale is not fixed through the subscription and redemption of banks, brokers and fund companies. Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

Two, according to the different organizational forms, can be divided into enterprise funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund. The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

Three, according to the different investment risks and benefits, can be divided into growth, income and balanced funds.

Four, according to the different investment objects, can be divided into stock funds, bond funds, money market funds, futures funds, etc.

Extended data:

How to open an account for a fund:

First, open the fund company's website. Fund investors can open their own fund accounts on the websites of the corresponding fund companies according to the funds they want to buy.

Second, banks open fund accounts, and fund investors can go to the bank counter to handle fund accounts, but the disadvantage is that the procedures are relatively complicated and the number of fund companies that can be opened is relatively limited. Because of some small banks, the funds for consignment are relatively small.

Third, securities companies open fund accounts, and at the same time open the fund account authority when securities companies open stock accounts, so that all fund company accounts can be opened directly in the trading system in the future.

Purchase fund:

After completing the preparation for opening an account, citizens can choose their own time to buy funds.

Individual investors can bring the debit card and fund trading card of the correspondent bank to the counter of the agency outlet to fill in the fund trading application form (institutional investors need to affix the reserved seal), and must submit the application before the day of subscription 15: 00, and the counter will accept and receive the receipt of fund business. Two days after handling the fund business, investors can print the business confirmation at the counter.

After the fixed investment, no matter how the market fluctuates, they will buy a fixed amount of funds with different net worth every month, automatically forming an investment mode of lightening positions on rallies and adding positions on dips, so that the average cost is at the middle level of the market.

The fluctuation range of the whole year will be greater, and the risk of direct one-time investment will be greater. However, if you choose to invest regularly and stick to it, it will smooth the investment cost in the long run.

Fixed investment can be suspended, terminated or resumed at any time, and no penalty interest will be levied when the contract is terminated. You can advance and retreat calmly in the market risk, which ensures that you can adjust your investment in time according to your own judgment on the market. In the turbulent market environment, flexible investment methods may increase the security of your investment.

Fund redemption:

When investors intend to redeem their funds, they can bring the debit card and fund trading card of the opening bank, and also fill in and submit the transaction application form before 3: 00 pm. After being accepted at the counter, investors can inquire and redeem the fund after five days.

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