Who is suitable for buying funds?
1, wealth management white
The fund is managed and operated by professional fund managers, and investors are not required to have a good reserve of the basic knowledge of the fund and observe the recent market conditions at any time.
2, the risk tolerance is small.
The fund will hand over the raised funds to professional fund managers who invest in a basket of stock markets. Generally, the risk is relatively small and the income is relatively stable, which is suitable for investors with low risk tolerance.
3. There are idle funds.
The best way to invest in a fund is to invest with your spare money. As long as you invest in financial management, there will be certain risks. Even if you lose money, it will not affect your life.
4. Office staff
Office workers generally don't have enough time to observe the market, and buying funds is more time-saving and labor-saving. You can set the automatic deduction of fixed investment time through fixed investment, as long as the balance of deduction position is sufficient.
5. Small investors
The investment threshold of the fund is relatively low, especially the capital requirement is not high, which is suitable for small investors to trade.
Why don't rich people buy funds?
1. Investment with higher return
Generally, the rich prefer to invest in some high-yield projects, such as direct investment in real estate, equity, enterprises and so on. High returns and dividends. The income of these investment methods is much higher than that of funds. However, investing in these projects requires investors to have strong market analysis ability and industry knowledge of investment targets.
2. The operation is opaque and information cannot be obtained.
Fund companies generally only publish some details of their positions, and the information disclosure is incomplete. It is difficult for rich people to get the information they want, so they will not choose fund investment.
3. High risk tolerance.
Rich people generally have higher risk tolerance and better asset allocation ability, and may be more inclined to invest in wealth management products with higher risks and higher returns.
4. The fund is more formal.
The operation of funds is regulated by strict rules, but the rich generally prefer to control their investment direction and invest freely.