1. Fund is a specialized fund company, which publicly raises a small amount of funds to the public, then invests with the raised funds, earns handling fees and returns the profits to everyone.
2. Funds are divided into closed type and open type according to trading methods. Closed means that transactions can only be made within a certain period of time, and open means that transactions can be made at any time. Generally speaking, everyone invests in open-end funds.
3. Funds are divided into stock type, bond type and currency type according to investment objects. Equity funds refer to funds in which more than 60% of fund assets are invested in stocks, bond funds refer to funds in which more than 80% of fund assets are invested in bonds, and money market funds refer to funds with only money market instruments. Relatively speaking, stock funds have the highest risk, followed by bond funds, and money market funds have the lowest risk and the lowest return. ?
4. The income of the investment fund definitely exceeds the bank interest rate, but the investment will be risky, but so far, the fund has not lost any money, so it is still an ideal investment method.
If you want to buy it, you can go directly to the bank. The staff at the bank counter will tell you how to fill out the form and apply. China Merchants Bank has also represented many funds, and its service and business level are also good.
6. According to the purchase method, the fund is divided into one-time investment and regular investment. One-time investment is to buy so much money at one time. The subscription starting point of each fund is different, with a minimum of 1000 and a maximum of 5,000, with no upper limit; Regular fixed investment is more suitable for college students, that is, the corresponding amount is deducted every month to buy, with the minimum deduction limit of 100 and the upper limit is not capped. China Merchants Bank also has a fund with regular fixed investment, which is better to save than to put it in a bank.