The difference between funds and savings.
1, with different properties.
A fund-raising behavior established by a fund for a certain purpose, generally speaking, is to invest the raised funds in the capital market; Savings is a kind of deposit activity in which investors deposit temporarily unused or surplus monetary income into banks or other financial institutions. High security.
2. Investment scope
According to different risk levels, funds have different investment directions and investment targets. Generally speaking, they cover all the targets in the investment market, such as deposits, money funds, stocks, bond funds and so on. As a deposit, savings cannot be invested in the above-mentioned high-risk targets.
3. Different thresholds
The starting point of fund investment is 1 yuan, 100 yuan, 1000 yuan or 50,000 yuan, but there is no deposit threshold for demand deposits, and the threshold for large certificates of deposit is generally 200,000 yuan.
4. Risks and expected returns are different.
The coverage and investment scope of funds are large, and the difference between risks and expected returns is also large. There are low-risk money funds and high-risk stock funds. The greater the risk, the greater the expected return. Savings are highly secure. In general, the possibility of loss is very small. It has a fixed bank interest rate and low expected return.
5. Different maturities and liquidity.
As a net wealth management product, funds generally have no financial term, which is characterized by flexible subscription. Savings can be divided into current and fixed periods, and fixed periods have a deposit period. Its liquidity is less than that of the fund, and its demand can be flexibly accessed and its liquidity is high.
The above is about the difference between funds and savings, and I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.