Funds can not only invest in securities, but also invest in enterprises and projects. By issuing fund shares, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits.
According to different standards, funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investors, it can be divided into stock funds, bond funds, money market funds, futures funds and index funds.
Choose both funds and fund companies.
It takes a long time for a fixed investment to exert its benefits and obtain better investment results. Therefore, when making a fixed investment, it is more prudent to choose a fund company than a one-time investment. Long-term and reliable fund companies are our trusted investment partners in the process of long-term fixed investment. We can choose an ideal fund company by referring to its shareholder composition, corporate governance, brand image, investment services, fund scale and historical performance.
Choose a fund with large fluctuations.
Funds with large fluctuations can highlight the role of average cost. According to asset types, stock funds and partial stock funds with large fluctuations are more suitable as the target of fixed investment than bond funds and monetary funds; From the perspective of investment areas, the volatility of a single market is greater than that of regional markets, and the volatility of regional markets is higher than that of global markets; From the perspective of investment style, small-cap growth funds fluctuates the most, while large-cap funds fluctuate the least; Finally, the volatility of funds investing in specific industries is higher than that of comprehensive funds investing in various stocks. When choosing investment targets, investment friends should not only refer to volatility, but also comprehensively consider the trend of the primary investment market.
Choose a fund with a long-term upward trend.
Only by choosing a fund with a long-term growth trend can we enjoy the benefits of the average cost of fixed investment. How to judge whether the fund you invest in has a long-term upward trend? Firstly, the growth prospect of the market invested by the fund is investigated; Second, check whether the invested funds have experienced a complete boom cycle and are still growing steadily; Third, check whether the invested funds are better than the average for a long time compared with the same type of funds. You can check these details on the fund channel of Zhang Yun Finance, hoping to help you!