Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
Fund investment is a popular investment method. Generally speaking, compared with stock investment, fund investment income is less, but investors need to bear less risks. Moreover, in the eyes of most investors, fund investment is a long-term investment product, and it takes time to get considerable returns.
For novice investors, the introduction and skills of the fund are as follows:
1. First, the investment fund needs to open an account. The common channels for fund purchase are fund company official website, banks and third-party fund sales platforms. No matter which platform you buy fund products through, you need to open an account
2. When choosing a fund to invest in, you must investigate all the information of the fund, including the fund manager and the historical income of the fund, so as to make a general evaluation of the fund first.
3. When investing in funds, we must allocate risks rationally and avoid putting eggs in one basket. Among many fund products, money funds have the lowest risks and returns, followed by bond funds, and the risks of hybrid funds and equity funds are relatively high.
4. Fund investment should pay attention to long-term investment policies, such as fixed investment of funds, and general long-term investment funds can maximize returns.
What needs to be reminded is that the investment risk of funds is relatively low compared with stocks, but it does not mean that there is no risk, so we must invest rationally.