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Basic knowledge of funds

Hello, the fund is an indirect investment tool. Give the funds in your hand to the fund manager for investment, and you can get investment income.

What are the basic knowledge about funds?

Buying a fund is an indirect investment. When investors buy a fund, they actually buy a fund manager, who will hire a professional fund manager to manage the investment.

There are many ways to classify funds, which can be divided into closed-end funds and open-end funds according to their operation methods. Closed-end fund means that the fund scale is fixed before issuance. After the issuance, the fund scale cannot be increased before the issuance, and investors cannot demand to redeem the fund shares within a certain period of time (usually 3 months) after the issuance. Open-end fund means that the scale of the fund is not fixed, but can change at any time according to the purchase or redemption of the fund share within the term of the fund contract, and the total amount of the fund is uncertain before issuance.

The income of investment funds will be affected by market fluctuations, and investors should choose investment funds according to their own risk tolerance and investment objectives.

What are the basic knowledge about funds?

Before buying a fund, it is best to know the following basic knowledge:

1. What is a fund?

Simply put, a fund is an investment tool invested by many people and operated by one manager.

2. What is the difference between an investment fund and its allocation?

Investment funds mainly invest in stocks or bonds. Investors need to pay subscription fees, redemption fees, custody fees, management fees, etc. When buying funds, investors buy and allocate shares.

3. Classification of funds?

(1) can be divided into closed-end funds and open-end funds according to the mode of operation.

(2) According to the investment object, it can be divided into stock funds, bond funds and hybrid funds.

(3) According to the way of income distribution, it can be divided into preferred stock funds and enterprising funds.

4. What's the difference between open-end funds and closed-end funds?

(1) Different investment strategies, closed-end funds usually invest in stocks, bonds and money markets, while open-end funds can only invest in stocks and bonds.

(2) Different risks, closed-end funds usually have a longer closed-end period than open-end funds, and the risk of investing in stocks is relatively small.

(3) Purchase and redemption are different. Closed-end funds can usually be purchased after issuance, while open-end funds must be purchased and redeemed according to the open day.

5. What are the expenses of the Fund?

The expenses of the Fund include management fees, custody fees, sales service fees and operation fees, of which management fees and custody fees are accrued on a daily basis and sales service fees are accrued on a monthly basis.

6. What should I pay attention to when buying a fund?

(1) Choose a fund company with good brand reputation and stable operation.

(2) Choose fund managers with rich experience and good performance.

(3) Understand the investment risks. Investment funds are at risk of losing money, and investors need to know their risk tolerance.

Basic knowledge analysis of fund

Basic knowledge about funds includes the following aspects:

1. Definition: A fund is an investment tool. Its managers spread risks through the portfolio and distribute investment income according to the rise and fall of the fund's net value.

2. Classification: Funds are mainly divided into stock type, bond type, mixed type and currency type. Equity funds have higher returns, but also greater risks; The risk of bond funds is relatively low, but the income is also low; Hybrid funds are between the two; The money fund has the lowest risk, but also the lowest income.

3. Operation mode: the fund is operated by the manager, which spreads risks through the investment portfolio and obtains investment income through the rise and fall of the fund's net value. Investors need to pay subscription fees and redemption fees when purchasing funds, and the redemption fees vary according to the length of time they hold the funds.

4. Income: The income of the fund mainly comes from the income of stocks and bonds, but the fund itself does not directly invest in stocks and bonds. The income of the fund will be affected by market fluctuations, interest rates and other factors.

5. Risk: The risk of the fund mainly comes from market fluctuation and the management risk of the fund itself. Equity funds and hybrid funds have higher risks, bond funds have lower risks, and monetary funds have the lowest risks.

6. Contrast: Compared with direct investment in stocks and bonds, the advantages of funds lie in diversifying risks and optimizing investment portfolio. Funds can spread risks through investment portfolios, and professional managers make investment decisions and management. In addition, funds can obtain a wider source of income by investing in different asset classes and industries.

The above is the basic knowledge analysis of the fund, I hope it will help you.

Overview of fund basic knowledge

I. What is a fund

A fund in a broad sense refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.

In a narrow sense, funds refer to funds with specific purposes and uses. As an investment tool, the fund gathers scattered funds and professionals invest in different assets to achieve the purpose of maintaining and increasing value.

Second, the classification of funds.

According to the income distribution of funds, funds can be divided into closed-end funds and open-end funds.

1. Closed-end fund

Closed-ended fund refers to a fund whose sponsors set a limit on the total amount of fund shares issued when setting up the fund, and the raised funds are closed for use within the term of the fund contract, and the fund holders are not allowed to redeem them in advance, and the duration of the fund exceeds five years.

2. Open fund

Open-end fund refers to the total amount of fund shares agreed by the fund sponsors when they set up the fund, and the raised funds are closed for use within the term of the fund contract, and the fund holders can redeem the fund shares at any time according to their own wishes.

According to the different investment objects of funds, funds can be divided into stock funds, bond funds and hybrid funds.

(1) Equity funds refer to funds with more than 80% assets invested in stocks.

(2) Bond funds refer to funds with more than 80% assets invested in bonds.

(3) Hybrid funds refer to funds that invest in stocks, bonds and money market instruments, but the ratio of stock investment to bond investment does not meet the prescribed standards of stock funds or bond funds.

According to the different sources of funds, funds can be divided into stock funds, bond funds, hybrid funds and money market funds.

(1) Equity funds refer to funds with more than 80% assets invested in stocks.

(2) Bond funds refer to funds with more than 80% assets invested in bonds.

(3) Hybrid funds refer to funds that invest in stocks, bonds and money market instruments, but the ratio of stock investment to bond investment does not meet the prescribed standards of stock funds or bond funds.

(4) Money market funds refer to funds that only invest in money market instruments.

According to different investment styles of funds, funds can be divided into index funds and growth funds.

(1) index fund refers to a fund whose portfolio imitates a stock index.

(2) growth funds refers to the fund whose investment portfolio mainly seeks to exceed the average market return.

According to the types of fund portfolio, funds can be divided into stock funds, bond funds and hybrid funds.

(1) Equity funds refer to funds with more than 60% assets invested in stocks.

(2) Bond funds refer to funds with more than 80% assets invested in bonds.

(3) Hybrid funds refer to funds that invest in stocks, bonds and money market instruments, but the ratio of stock investment to bond investment does not meet the prescribed standards of stock funds or bond funds.

According to the different modes of fund operation, funds can be divided into active funds and passive funds.

(1) Active fund means that the sponsors of the fund manage their own funds without entrusting other fund managers to manage them, and the income and risks of investment are borne by the fund holders.

(2) Passive fund means that the fund sponsors do not directly manage the fund, but entrust other fund managers to manage it, and the income and risks of investment are borne by the fund holders.

According to the different modes of fund operation, funds can be divided into closed-end funds and open-end funds.

(1) Closed-ended fund refers to a fund that the promoters set a limit on the total amount of fund shares issued when setting up the fund, and the raised funds are closed for use within the term of the fund contract, and the fund holder may not redeem them in advance, and the fund duration exceeds five years.

(2) Open-end fund refers to the total amount of fund shares issued by the fund sponsors when they set up the fund. The raised funds are closed for use within the term of the fund contract, and the fund holders can redeem the fund shares at any time according to their own wishes.

According to the asset size of funds, funds can be divided into mini-funds, small-scale funds and large-scale funds.

(1) A mini-fund refers to a fund with assets less than $50 million.

(2) Small-scale funds refer to funds with assets between $50 million and $2 billion.

(3) Large-scale funds refer to funds with assets exceeding $2 billion.

According to the asset size of funds, funds can be divided into mini-funds, small-scale funds, large-scale funds and super-large funds with huge capital.

(1) A mini-fund refers to a fund with assets less than $50 million.

(2) Small-scale funds refer to funds with assets between $50 million and $2 billion.

(3) Large-scale funds refer to funds with assets exceeding $2 billion.

(4) the huge capital exceeds

This is the end of the introduction of the article.