The second batch of FOF is coming, too. If it were me, I wouldn't buy it.

because I can buy a fund myself, and FOF, as a fund in a fund, will help investors invest in a package of funds, that is, make a fund portfolio, and then charge another layer of FOF fees on top of the original fund fees, which must be paid regardless of whether you earn money in the end.

if you just look at the charge of a FOF, you may not find anything wrong, just like other funds?

not really.

FOF is a model in which a parent fund invests in a sub-fund, which has its own expenses, and the sub-fund it invests in has another expense, so there is the problem of double charges.

it hurts a little, doesn't it? For friends who will buy funds, there is actually no need to spend more money.

Of course, if you are a fund novice or have no time to choose your own fund, you can also consider investing a sum of money to try the water.

when new products are born, they have to compete with smart investors. The worst thing is that many smart investors try not to charge everyone's service fee, and FOF has lost at the starting line.

the biggest advantage of p>FOF is that it can diversify investment funds, which is equivalent to asset allocation and risk diversification, which can also be achieved by smart investment.

There are also human factors behind FOF, such as fund managers and fund companies. According to the regulations, if FOF buys its own fund, it can be exempted from management fees and custody fees, which will also give preferential treatment to investors and attract more people to invest.

but this is not in line with our original intention of asset allocation in the first place, especially if fund managers choose to invest in their own funds for performance, and there is no mandatory requirement for the proportion of their own products, it will be dangerous.

Looking back at the income of the first batch of FOF, it is not as good as the money fund

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Since its establishment, the income has been within 1.3%, and it is also drunk ~~

If you look at the positions, you will find that most of them are money.

Again,

whether to buy or not is different from person to person

. As long as it is a regular product, it has its meaning of existence. Although FOF has a low return, it is a stable one. The fund is a long-term investment product. Although the yield this year is low, it may be better in the future, so

it is suitable for new citizens and low-risk preferences

As for a lot, it will not be bought.