You can buy a fund without a fund employment certificate. Individual investors can open a fund account to purchase funds as long as 18 is over one year old. The fund employment certificate is the certificate of the employees of the fund and its related industries. Without a fund practice certificate, you can't engage in the corresponding industry.

The fund qualification examination was organized by China Asset Management Association in 2003, which is a part of the qualification examination system for securities practitioners. The qualification examination for fund practitioners is based on practical application, which mainly assesses the essential basic knowledge and professional skills of fund practitioners, covering seven basic knowledge such as fund industry overview and investment management.