What is the meaning of financial management funds in 2022? For novices who do not understand financial management, they need to start from the most basic. It is not enough to just know funds, because some investors may mix funds, stocks, and bonds together and cannot distinguish them.

Clearly, what is a fund? What does a fund mean? Today I have compiled some fund-related knowledge for you. Let’s take a look!

Regarding the meaning of financial management funds, a fund is an investment behavior and an indirect investment. Why is it said so? Because ordinary people do not directly purchase a certain commodity when purchasing a fund, but hand it over to a fund company, which then pays it to the fund company.

Give it to the fund manager, and let the fund manager buy it. The fund manager has undergone professional training, so his knowledge will be wider than that of the average person. In fact, it is equivalent to a trust relationship.

Only when the fund manager invests investors' money and makes money will the fund rise. If the market goes bad and a loss occurs due to investment, the fund will fall and lose money.

According to different investment targets, funds can generally be divided into: currency funds, bond funds, hybrid funds, stock funds, index funds, QDII funds, ETF funds, etc. Different funds represent different risks and returns.

Generally speaking, the funds with the least risk are currency funds, which mainly invest in bonds, central bank bills, commercial papers, bank certificates of deposit, bank acceptance bills and other extremely safe short-term financial products, and there will be returns every day.

Currency funds have relatively good liquidity and very low risks. Basically, they will not lose their principal. The price is only affected by market interest rates. The possibility of making money is relatively high. However, if the principal is too low, the returns will basically be

will be extremely low.

Advantages and Disadvantages of Fund Fixed Investment Advantages of Fund Fixed Investment: It is difficult for ordinary investors to accurately judge the buying position when buying in the market. However, if you adopt the method of fund fixed investment, no matter what the market conditions are, it will be fixed for one month.

Or if you buy a fund every week and invest on a regular basis, you can spread the cost evenly and reduce the risk to a certain extent.

Secondly, fixed investment in funds can prevent inflation. For example, current prices have been rising. If wages are blindly placed in the bank, then when the income cannot keep up with the rate of rising prices, the value will depreciate. But if it is fixed investment in funds,

, then it is equivalent to saving money in disguise. When the market conditions are good, you can get additional income.

Disadvantages of fund fixed investment: If you choose the wrong fund or a bad fund, then in the long run, if the fund suffers long-term losses, the fund fixed investment will cause serious losses, and the losses will increase.

, so when you decide to invest in a fund, you must choose a good fund to hold it for a long time to make money.

Secondly, the fund has been fixed investment for a long time. As the number of fixed investment periods increases, the proportion of each subsequent fixed investment in the total funds will become smaller and smaller, which will make the effect of amortizing costs smaller and smaller. In the end, "fixed investment blunt" will appear.

ation” effect.

Finally, the fixed investment of the fund only tells investors when to buy, but not when to sell. Therefore, when making fixed investment in the fund, you must learn to take profits. If the optimal stop profit point appears and the fund continues to decline, then

Serious losses will occur.

What does fund dividend mean? Fund dividend means that the fund returns part of the profit to the investor's account in the form of cash or dividend reinvestment. This part of the income is actually part of the net value of the fund unit, so after dividends are distributed, the net value of the fund will generally decrease.

To give a simple example: Suppose an investor holds 2,000 funds and the fund pays a dividend of 0.4 yuan per share. When the dividend amount is 2000_0.4=800 yuan, the share quota is written as "per 10 funds

"Shared dividend of 4 yuan" can be converted into a dividend of 0.4 yuan.

In addition, if the net value of the fund before the dividend date is 1.4 yuan, and if the impact of market fluctuations on the fund's net value on the dividend date is not considered, the net value after the dividend should be equal to 1 yuan (1.4-0.4=1). In this way, the value of 2,000 funds is

2,000 yuan, get 800, the total is still 2,800 yuan, which is consistent with the total market value before dividends.

In fact, fund dividends do not mean extra money. This money is yours and is just distributed to your own account. There are two main ways to distribute fund dividends: one is cash dividends and the other is dividend reinvestment. Investors are

You can choose by yourself.

Fund cash dividends: Each dividend is converted into cash settlement, and the funds will be directly transferred to the investor's account.

Reinvestment of fund dividends: The dividends are not returned in cash but continue to be invested in the purchase of fund shares, which means compound interest. It is suitable for investors with large funds and long investment cycles.