The proportion of institutions in the fund has little influence on the quality of the fund. The proportion of institutional shareholding in the fund can be used for investors' reference. Other factors being similar, investors can choose whether the institutional shareholding ratio is high or low according to their own preferences.

To some extent, the probability of funds with high institutional shareholding ratio stepping on thunder may be very low. However, it may not bring much excess returns to investors, so investors do not need to pay special attention to the shareholding ratio of institutions when purchasing funds.

Preparation process

Before purchasing a fund, investors need to carefully read the prospectus, fund contract, account opening procedures, trading rules and other fund-related documents, and all fund sales outlets should have the above documents for investors to consult at any time.

Individual investors are required to carry the debit card of the correspondent bank and valid identity documents (ID card, military officer's card or armed police card), and institutional investors are required to carry the original business license, organization code certificate or registration certificate, as well as a copy of the above documents stamped with the official seal, power of attorney, ID card of the agent and a copy.

With the preparation materials, the customer goes to the bank counter to fill in the application form for fund business, and then receives the business receipt. Individual investors also receive fund trading cards, and they can go to the counter to receive business confirmation two days after handling fund business. Units or individuals can engage in fund subscription and redemption after receiving business confirmation.