The fund gives its own money to professional institutions for financial investment. Professional institutions usually use the money entrusted by everyone to buy a certain number of stocks after professional analysis. In this way, even if the wealth manager doesn't have much money, he can enjoy the dividend of high-quality stocks through the fund manager. Therefore, the fund has become an important choice for many wealth managers with little spare money. So whether there is a lot of spare money needs to be judged like this.

First of all, we should consider whether100000 yuan is useless spare money. There are many places in our life that need money, such as medical care, education, maintenance, emergency treatment and so on. The money left after the money is removed is the money we can plan at will. If there is not much money left, you can consider buying a fund.

Secondly, we need to consider whether this money is idle money, for example, whether this money will affect our lives because of financial losses. Many people have heard that financial management is risky, so the profit and loss of financial management cannot be determined and predicted. Everyone will be happy if they increase their income because of financial management, but once there is a loss, will it make some people unacceptable and fall into a difficult life? We need to consider whether these things will cause family conflicts and so on.

In addition, many financial experts also suggest? Don't put eggs in one basket? This is also an important way to avoid risks. If you have spare money, you can choose some time deposits and the other part to buy multiple funds to spread the risks, so that you won't get into trouble at once.

The reason why it is not recommended to buy stocks is that the price of a high-quality stock may be as high as tens of dollars, and it usually takes 1000 to sell stocks, so it takes thousands or even tens of thousands of spare money to buy a company's stocks, which is unbearable pressure for many families, and even if the fund can invest with only ten dollars, it is a more flexible, convenient and less stressful investment form.

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