1, low threshold
Compared with other wealth management products such as stocks and futures, the capital threshold is lower. For OTC funds, many fund investors can buy at 10 yuan or 1000 yuan, and even some money funds can trade at 1 yuan. Off-site funds, minimum requirement 100, several hundred yuan.
2. The risk is very low
The funds raised by the Fund are diversified. For example, equity funds, the funds raised are invested in each stock, which is less risky than a single stock; When investing in Public Offering of Fund, there will be no problem with the safety of funds, because no matter sales organizations, custodians or fund managers, they are all formal financial institutions, which are subject to very strict supervision, and there will be no problems such as misappropriation and embezzlement of funds. The Fund is a collective asset management plan. Buying a fund is to hand over the funds to professional people for management, benefit sharing and risk taking. At the same time, the worst case of the fund is to be liquidated.
3. Don't have high professional knowledge.
Ordinary investors lack funds, investment experience and professional investment skills. They have irregular and irrational investment ideas in trading, and the funds are managed by professional fund managers with high professional knowledge, so investors do not need high professional knowledge to buy funds.
4. High liquidity
Most funds can be redeemed at T+ 1, which is relatively flexible and can be redeemed quickly if they need urgent money after buying.
5. Transparent operation and perfect information disclosure.
Public Offering of Fund's information disclosure is relatively perfect. In addition to quarterly reports, there are also semi-annual reports and annual reports. The top ten positions, business review and future outlook during the reporting period shall be disclosed in the periodic report.
6. The income is considerable
Compared with depositing money in the bank, the expected return of investors' investment funds is generally higher. According to the official data of China Fund Association, the recent average annualized rate of return of 19 partial stock funds is 16. 18%, and that of bond funds is 7.64%.
When investors buy funds, they can take the form of fixed investment, keep buying and increase the share of positions, so as to reduce the cost of positions and spread risks.