1. is risky, but compared with the types of funds such as stocks, the money fund has lower risk because of its investment varieties, which in fact ensures the safety of the principal.
2. You can buy it in a bank or in a qualified brokerage business department. Most large brokers (such as Haitong Securities and Guotai Junan). ) have opened channels to buy money funds. Investors can buy money funds directly from the business departments of these securities companies, or directly from the direct sales counters of fund companies to invest in the central bank bill market.
3. Does the money fund sell 1 yuan in the bank? Not necessarily. The net asset value of money market funds is usually kept at 1 yuan. However, some funds are income accumulation funds, that is, they have been issued and listed, and dividends are automatically reinvested. The net value of some funds of this type after dividends may be adjusted to 1 yuan or more.
3. Is there no handling fee for buying and selling money funds? Buying and selling money market funds is generally free of handling fees, and the subscription fee, subscription fee and redemption fee are all 0.5%.
4. Can the money fund be withdrawn from the bank at any time? Yes Money market funds have the following advantages: you can use the fund account to write checks and pay consumer bills; It is usually used as a place to temporarily store cash before making new investments, which can earn more income than demand deposits and can be withdrawn for investment at any time.
However, I need to remind you that all countries and regions have a minimum investment threshold for the money market, which is usually more than $6,543,800+0,000. Therefore, the main body of investment in the money market is institutions, and it is difficult for ordinary individual investors to enter.
The so-called fixed investment is a kind of fund management business similar to the bank's zero deposit and lump sum withdrawal. Through the fund sales organization, investors will automatically deduct the investment funds from the designated fund account regularly and with a fixed amount on the agreed date. It has the dual functions of saving and investing, and has the advantages of low investment cost, convenient procedures, evenly diluting investment cost and reducing investment risk, and is known as the "lazy investment method".