1. The fund is relatively stable with little fluctuation. If the profit is small, the fund will generally follow the market, and the market will generally go higher than the fund. Stocks are risky and volatile. If there is too much profit, it is recommended to buy funds first, understand the investment situation first, learn slowly, and then buy stocks after a long time.
2. Fund refers to a financial management method that concentrates a certain amount of funds. According to different risks and returns, funds are divided into money funds, bond funds and stock funds.
First, a novice to buy a fund must first confirm the purchase platform. At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Among them, the bank rate is high, and the fund company has little funds. Individuals recommend the third-party agency website. The funds for consignment are comprehensive and the rate is low, such as MOM's products.
Second, novices should do three things when buying funds: look at the fund type, look at the fund company and look at the fund manager.
3. Buying stocks is an investment method that many people choose now. Because the stock fluctuates greatly, the risk will be higher, on the contrary, the right direction will lead to higher returns.
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The differences between funds and stocks are mainly reflected in management, risk degree, price determinants and rate of return.
1. Manager: Funds are managed by fund companies and stocks are managed by individual investors.
2. Risk degree: The stock price fluctuates up to 10% in a single day. The Fund adopts portfolio investment to reduce investment risk. The fluctuation of the fund's net value in one day is generally less than 3%, indicating that the investment risk of stocks is greater than that of funds.
3. Price Determinants: The company's operating conditions, reputation, dividend distribution policies and other factors determine the stock price, while the price of the fund is determined by the price trend of multiple stocks.
4. Rate of return: Although the risk of stocks is higher than that of funds, its expected return is higher and it is easier to lose money. In short, the fund has low risk and stable return on investment, and is managed by the fund company after purchase, which is suitable for novice financial managers to invest. But for people with certain professional knowledge and financial management experience, investing in stocks can be managed by themselves. Although the risk is high, it can obtain higher expected returns.