In the fund market, investors often encounter the situation that a fund is limited to 1000 yuan or 10000 yuan. Do you know why the fund is limited? What if it is restricted? The following small series will answer your question.
Why is the fund limited?
The fund may be restricted under the following circumstances:
1, protecting investors' rights and interests
When the fund market is good or when dividends are paid, many investors will rush to buy funds. If subscription is not restricted, the scale of funds will expand rapidly in a short time, and if it is not handled properly, the income of other investors will be diluted.
2. Control the fund size.
As the saying goes, "a small boat is easy to turn around." When the fund scale is too large, the fund manager's ability to exchange positions and shares is high, and the fund manager needs to go through research and can't buy and sell at will. If you buy in large quantities, you can only add positions, and the shareholding ratio will increase after adding positions, so we should consider the influence of the "Public Offering of Fund Double Ten" restriction.
3. Foreign exchange control
For example, QDII funds are mostly restricted by foreign exchange control.
4. Performance Appraisal Node
The fund ranks its performance every year. In the performance appraisal node, for reasons such as performance ranking assessment, fund managers may impose subscription restrictions to ensure their income, avoid diluting the holders' income, and effectively prevent excessive fluctuations in net worth.
What if the fund is limited?
1. Buy other funds of this type or managed by the fund manager.
When investors restrict the purchase of a fund, they think that the fund or fund manager is better, and there is room for growth in the later period. They can choose to buy other funds of this type or managed by the fund manager in pursuit of income.
2. Buy on the next trading day
When the fund's purchase restriction is to limit the amount bought on the same day, for example, only 1000 yuan can be bought on the same day, then investors can choose to buy again on the next trading day.
What is an overseas investment fund?
Friends may be unfamiliar with overseas investment funds. The following small series will give you a brief introduction. Overseas investment funds refer to overseas investors, and the investment direction is generally domestic investment portfolio. The function of overseas investment fund financing is to aggregate idle funds in society and keep them together for a long time, which is quite beneficial to financiers. In addition, prudent management is the general investment strategy of investment funds, so investment funds are also quite conducive to the stability and development of the capital market. The same characteristics of overseas investment funds are that they are mainly open, listed and sold, and pursue growth, which is conducive to enterprises with sustained profitability and high growth potential to obtain funds and develop rapidly. In addition, investment funds can't participate in the operation and management of the invested enterprise, which avoids the disadvantages of imbalance of interests between investors and financiers, loss of assets of financiers and loss of control rights.
What are the overseas funds?
With the development of internationalization, more and more investors have the need to allocate overseas assets. Today, Bian Xiao will introduce overseas funds to you. Overseas funds are as diverse as domestic investment funds. At present, domestic channels can be divided into three types:
1. QDII funds launched by major domestic banks can be invested, most of which are selected global stocks, with growth accounting for the majority and high risks. There are also index funds to consider, but most of them have been established for a short time;
2. You can register overseas securities accounts, such as Internet brokers such as First FirstTrade and InteractiveBrokers, and account management is very convenient;
3. You can indirectly invest in overseas funds by purchasing Sunshine Private Equity Fund which invests overseas. The purchase method is the same as that of domestic fund products, and it is also divided into two modes: full investment and fixed investment. In addition, as far as the rate is concerned, the subscription fee for purchasing overseas funds will be more expensive than that of domestic funds, but the management fee is not much different from that of domestic funds. Generally speaking, equity funds are higher, while bond funds and monetary funds are lower. Considering the liquidity, it depends on whether investors will keep their funds overseas or at home after redemption. If they stay overseas, there is little difference between liquidity and domestic funds. However, if they repatriate their funds after redemption, the speed will be slower because it involves foreign currency exchange.
How to invest in private equity funds
Today, Bian Xiao tells you how to invest in private equity funds. To invest in private equity funds, we must first choose the purchase channels of private equity funds. Common purchase channels include fund managers' self-sales, brokerage sales, third-party platform sales and bank sales channels. The general steps for investors to buy private equity funds are as follows: step one, to confirm specific targets, it is generally necessary to fill in questionnaires to let investors know their risk identification and risk-taking ability, and make written commitments that meet the requirements of qualified investment; Step 2: Participate in the product promotion meeting, properly participate in the product recommendation meeting, and select the matching products according to their own capabilities with the help of the organization; The third step is to sign the risk disclosure. Investors should be clear about the risks (such as special risks and general risks) and their own rights and interests of the selected products. This step is a bit cumbersome. To confirm the terms sentence by sentence, the relevant parties (investors, fund-raising institutions and managers) need to sign and seal; The fourth step is to provide proof of assets or income. Individual investors have financial assets of not less than 3 million or personal income of not less than 500,000 in the last three years, so as to confirm that they are qualified investors, and also make it clear that they are buying products by themselves and will not split up; The fifth step is to sign a contract and make a payment. At this moment, you should be clear about the authenticity of cooperation information, the risks of products, and absolutely qualified investors; Step 6: Investment cooling-off period. After signing the contract, there will be a cooling-off period of not less than 24 hours. Sometimes, investing may be a hot head. During this cooling-off period, investors can terminate the contract, and fundraising institutions cannot contact investors actively. Step 7: Pay a return visit to confirm. After the cooling-off period of investment has passed, non-sales personnel of institutions need to pay a return visit to confirm investors and check the core information of investors one by one. If the investor knows nothing, he can also terminate the contract.
What foreign exchange can enter the Bank of China?
China Bank is one of the largest commercial banks in China, and its foreign exchange business is very rich. Banks in China can provide the following foreign exchange services:
1. Foreign exchange deposit: China Bank can provide foreign exchange deposit service, and customers can deposit foreign currency into bank accounts, enjoying stable interest income and safe storage guarantee.
2. Foreign exchange remittance: Bank of China can provide foreign exchange remittance service worldwide, and customers can remit money through the bank's online banking, mobile banking or counter, which is convenient and fast.
3. Foreign exchange: China Bank can provide foreign exchange services. Customers can exchange foreign exchange at the bank counter or online banking, and exchange RMB into foreign currency or foreign currency into RMB.
4. Foreign exchange loan: China Bank can provide foreign exchange loan services, and customers can get financial support through the bank's foreign exchange loan products for investment and operation.
5. Foreign exchange financing: China Bank can provide foreign exchange financing services, and customers can obtain higher income through the bank's foreign exchange financing products while enjoying the safety of funds.
In a word, China Bank can provide a full range of foreign exchange services to meet the different needs of customers. Both individuals and corporate customers can find their own foreign exchange products and services in China Bank.