The fund we are talking about simply refers to the securities investment fund, which is a combination of stocks and bonds. It is operated by the experts of the fund company, which belongs to the concept of expert financial management and also belongs to the long-term investment tool of the public. Buying funds for long-term investment can make money. The appreciation of the fund is realized through the rise of the stock market. Its advantage is that it is suitable for investors who don't understand stocks and funds, have no special time to speculate in stocks, but are unwilling to deposit their money in the bank. However, buying funds is a risky investment, and it is possible to make money. They will face losses at any time. Although it will lose money, it will not be lost because it belongs to expert financial management, because according to the provisions of the Fund Law, if the net loss exceeds 50%, it will face liquidation and the balance will be returned to investors. Securities investment fund is a kind of investment income certificate. Stock is a stock issued by a joint stock limited company to investors when raising capital. The differences between the two are as follows:

1, reflecting different relationships. Stocks reflect ownership relations, while securities investment funds reflect trust relations.

2. Different operational inputs. Stock is a financing tool, and the funds raised are mainly invested in industry, which is a direct investment method. Securities investment fund is a kind of trust tool, and its raised funds are mainly invested in securities, which is an indirect investment method.

3. Risks and benefits are different. The return of stocks is uncertain, and its return depends on the operating efficiency of the issuing company, so investing in stocks is risky. Securities investment funds adopt portfolio investment, which can spread risks to a certain extent, with smaller risks and more stable returns than stocks.

4. Different ways of investment recovery. Stocks have no expiration date, so stock investors can't ask for withdrawal. If investors want to cash out, they can only sell in the secondary market. Investors of open-end funds can redeem their fund shares according to their net assets, while investors of closed-end funds are not allowed to redeem their fund shares during the fund's existence. If they want to cash in, they can only sell it on the exchange or OTC market, but investors can get a discount on the investment principal when the duration expires.

Novices bring their ID cards to the business departments of securities companies to open trading accounts in Shanghai and Shenzhen, handle bank transfer custody procedures, open online trading, and deposit money into accounts to buy and sell stocks. There are no restrictions on varieties such as funds. For beginners, the risk of stocks is relatively high, so it is better to buy a foundation. If you are saving money, you can choose an investment fund and bring your ID card to the bank. Someone will guide you. Must pay attention to: first, choose a fund company with good performance, but also choose a good fund variety in this good fund company. For example, Huaxia, Guo Fu, E Fund and harvest fund are all top fund companies in China, and their products generally outperform the market. Now Huaxia Bonus, Guo Fu Tian Rui, Yiji 50 and Jiashi Select are all good fixed investment varieties. Of course, the safest margin is a closed-end fund with a high discount. Second, we must choose the right time to buy. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money. Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, there is little risk in buying funds near 3200 points in Shanghai Stock Exchange, but the area near 5000 points is a high-risk area, so it is right to redeem at any time after the long-term business is over.