1. Funds have certain risks, which are higher than bank deposits and lower than stocks.

2. The deposit interest rate is fixed and the fund income is not fixed.

Fund: A fund in a broad sense 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. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The funds we are talking about now mainly refer to securities investment funds.

Time deposit: Time deposit is also called "time deposit certificate". A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. Some certificates of deposit can be sold in the market when depositors need funds before maturity; Some certificates of deposit cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.

1. Cash and current savings deposits can be directly used for time savings deposits. The minimum deposit for a fixed account is 50 yuan, and there is no limit on deposits.

The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.

2. The fund account is completely independent of the account of the fund custodian company. Even if the fund custody company goes bankrupt due to poor management, its creditors cannot use the assets of the fund. Its duties are to manage, keep and dispose of the trust property, supervise the investment work of the fund manager, and ensure that the fund manager abides by the investment regulations listed in the prospectus, so as to make its investment portfolio meet the requirements of trust deed. When there is a problem with the unit trust fund, the client is responsible for claiming compensation from the investor.

3. For investors, equity funds operate stably and earn considerable profits. Generally speaking, the risk of stock funds is lower than that of stock investment, so the income is more stable. Not only that, after the closed-end stock fund goes public, investors can also get the bid-ask difference by trading on the exchange. After the fund expires, investors have the right to distribute the remaining assets.

Fund-Baidu Encyclopedia

Time deposit-Baidu Encyclopedia