Fund is a collective asset management plan. When an investor buys a fund, it is equivalent to giving it to the fund manager to invest in stocks or bonds. Whether the fund is profitable or not is related to the type of fund, the management ability of fund managers and the stock market. Therefore, it is necessary to analyze it in detail:
Money funds and bond funds: These two types of funds are less affected by the stock market, so they generally make money after holding for one year, but it is only a matter of earning more and earning less.
When the stock market is good or when the stock market is bull, you can make money by holding it for one year; When the stock market is in a bear market, the probability of making money is very small.
However, China's market is dominated by structural market. If you hold a fund within 1 year, the probability of profit is still relatively large, just a matter of earning more and earning less. If investors are worried about not making money by holding 1 year, they can set up a fixed investment fund, which can reduce costs and risks.
: 1. What is a fund?
Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds.
The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks.
Two: What are the classifications of funds?
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund share can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), and the fund scale is not fixed through subscription and redemption by banks, securities companies and fund companies; Closed-end funds have a fixed duration and are generally listed and traded on stock exchanges. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. Fund is an investment fund company established by issuing fund shares, usually called corporate fund; Usually called contractual fund, it is established by fund managers, fund custodians and investors through fund contracts. China's securities investment funds belong to contractual funds.