Funds have broad and narrow definitions. Fund in a broad sense is the general name of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.

The funds we are talking about now usually refer to securities investment funds.

Securities investment fund refers to a collective investment method that collects the funds of many investors through the sale of fund shares to form independent assets, which are managed by fund custodians and fund managers and share the benefits and risks of securities investment in a combined way.

Securities investment fund is an indirect way of securities investment. By issuing fund shares, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits. According to different standards, securities investment funds can be divided into different types.

Just take your ID card and bank card to the bank to buy a fund. You'd better choose the fund you want to buy in advance and see which bank can buy it. Just buy it directly. Of course, the bank teller will also recommend it to you.

I don't know about that. Mainly depends on the type of fund you buy, some earn more and some earn less.