Stock trading and funds are both a kind of financial management. Everyone buys funds or stocks with the mentality of making money. Do you know why you choose funds instead of stocks? The following small series will answer your question.
Why choose funds instead of stocks?
Diversification of risks: the fund consists of multiple investors in the fund pool, and the fund manager disperses the investment funds into various assets such as stocks, bonds and futures. This kind of diversified investment can reduce the risk of a specific stock and the risk brought by the fluctuation of a single stock that investors may face.
Professional management: the fund manager is responsible for the management and operation of the fund. They have professional investment knowledge, analytical ability and experience, and can study and analyze the stock market more deeply, select potential stocks and optimize and adjust the investment portfolio. In contrast, ordinary investors may lack enough time and professional knowledge to conduct stock research and analysis.
Convenience and liquidity: By purchasing funds, investors can obtain more convenient and flexible investment methods. It is more convenient to buy and sell funds, and investors can trade through fund shares without buying and selling stocks directly. In addition, funds usually have strong liquidity, and investors can redeem fund shares at any time to obtain funds.
The most essential risk difference between funds and stocks
Market risk: stock investment directly faces the fluctuation and risk of the stock market, while fund investment may be dispersed into different types of assets when the market falls, thus reducing the risk of a single stock.
Regulatory risk: stock investment may be affected by regulatory risks such as corporate governance and insider information disclosure, while fund investment is supervised by fund regulators, which protects it to some extent.
Risk of stock selection: Investing in stocks needs to evaluate and select specific enterprises, and it needs to face the risk of choosing high-quality stocks and avoiding inferior stocks. However, fund investment depends on the fund manager's stock selection ability and investment strategy, and investors need to evaluate and choose the appropriate fund products.
Which income is higher, stock trading or fund?
Generally speaking, the return of stock trading is higher than that of funds, but it should also be noted that the risk of stock trading is greater than that of funds. Ordinary stocks rise or fall at 10%, while ordinary funds generally rise or fall at around 7%. When funds plummet, it is possible to drop more than 7%, but this situation is relatively rare, so relatively speaking, stock trading is more volatile.
Some stock funds invest in their own stocks, but because the funds invest in multiple stocks instead of a single stock, the risks and benefits are scattered. Under normal circumstances, the return of stock trading is high.
However, if the investment stock market is not good and the stock falls sharply, but the heavy stocks of the investment fund do not fall sharply and there is an upward trend, then the fund will make money and the stock will lose money.
So whether you are speculating in stocks or buying funds, everyone should make a rational analysis. There is no absolute statement about this. Mainly depends on the rise and fall of stocks and funds. If the stock market is good, the stock you buy will go up and down, while the stock invested by the fund will go down. In this case, the return on stocks will be higher. Generally speaking, the risks and benefits of stocks are relatively large, so be careful when buying them.
Which is more suitable for short-term fund or stock?
Which is more suitable for short-term fund or stock? Mainly based on the expected income, transaction efficiency and transaction cost of short-term operation, because funds are divided into on-site funds and off-site funds, which are very different, so which is more suitable for short-term operation, funds or stocks? It also needs to be analyzed according to the actual situation.
prospective earnings
Short-term operation pursues fast-forward and fast-out, and makes quick money through day trading. Therefore, investors need to have large price fluctuations in a short period of time to produce good expected returns.
If our investment object fluctuates little in a short period of time and the net value remains unchanged, then our short-term trading becomes meaningless. Buying at the same price and selling at the same price will not generate any income, that is, there will be no price difference.
As we all know, many funds are essentially a combination of a basket of stocks, and the target of investment is a combination of many financial instruments. Therefore, in the short term, the price fluctuation is small and the risk is scattered. Only when most stocks go up can funds go up.
In the short term, the stock price fluctuates greatly. In the main board market of Shanghai and Shenzhen stock markets, the daily price fluctuation of normal stocks is limited to 65,438+00%, while in the science and technology innovation board and growth enterprise market, the daily price fluctuation is limited to 20%. In addition, in many cases, there is no limit to the price of a stock in a certain period of time.
In terms of expected return, stocks fluctuate more in the short term and the expected return is relatively higher, so stocks are more suitable for short-term than funds.
Transaction efficiency
Short-term operation must be matched with high transaction efficiency. If the transaction efficiency is too low, it will waste a lot of unnecessary time and inefficient use of funds. T+ 1 trading is implemented in the A-share market, while T+ 1 trading is implemented in OTC funds and OTC funds. However, the trading efficiency of OTC funds is relatively low, so it takes more time and more trouble to redeem OTC funds.
transaction cost
The transaction cost is mainly the handling fee. Short-term operation requires day trading, and day trading will generate a lot of handling fees. If the handling fee is higher, then our transaction cost will be higher, and the transaction cost is too high, which is not suitable for short-term work.
On-site funds need relatively low fees, while off-site funds need relatively high fees. The charge of off-site funds has a great relationship with the holding time of funds. The longer you hold it, the lower the cost. The shorter the holding time, the higher the handling fee.
The handling fee for stock trading is relatively moderate, mainly because stamp duty is paid for selling stocks, and the proportion of stamp duty is relatively high. The handling fee required by the stock exchange is higher than the on-site funds and lower than the off-site funds.
1000 yuan. How much can you earn in stock trading one day?
Generally speaking, the price of common stock is 10%, the price of st stock is 5%, and the price of GEM and science and technology innovation board is 20%, among which GEM and science and technology innovation board have the highest prices, but both GEM and science and technology innovation board have requirements for account opening authority, among which GEM requires two years of stock trading experience, and the daily average assets of securities accounts need to reach 654.38+million yuan in the first 20 trading days, while science and technology innovation board requires account opening authority.
If it meets the above requirements, it can be purchased. Let's give a simple example: suppose an investor has 1 000 yuan to invest in a GEM or science and technology innovation board stock. If the stock goes up by 20%, the most he can earn is 1000×20% = 200 yuan, which means he can earn 200 yuan at most. It's the same when he loses money.