Yesterday, I showed my wife the account book of my omelet fund. She was so anxious that she was relieved at last. The reason for anxiety is that when I went to work during the day before yesterday, I heard from my colleagues that my husband's money was invested in the Internet (estimated to be P2P), and as a result, I lost hundreds of thousands, and now I am reduced to selling small property houses in Shenzhen. Reluctant to sell the house, they also thought of a way to sell it: cut out 10 square meter from the 80 square meter house and sell it to others to make up the lost money. The person who takes over owns a house of 10 square meter and can enjoy the rental income of 10 square meter. In the future demolition, this 10 square meter will also be compensated in proportion.

I have to sigh that people's wisdom is infinite, especially for houses, everything can be thought of. It's an eye-opener.

After reading my account, my wife finally felt relieved. After showing her the income, she said that she would also start investing in index funds. I didn't tell her before, mainly for fear that she would be worried. Before that, she was very resistant to investing in stocks, so I secretly invested. Anyway, it has become a fait accompli, and I have made money, so I might as well tell her. No, she was attracted and wanted to invest in the fund.

But she also asked a very representative question:

If the fund company goes bankrupt, will there be no money for the investment fund? (The fund in her question refers to the publicly issued fund)

That's a good question

The fund company may go bankrupt, but even if it goes bankrupt, the money of the investment fund is still there and will not be gone. Because the funds are all in bank custody (so there is a charge for fund custody), and not all banks are qualified for custody, only big banks are qualified. Once the fund company goes bankrupt, it will be redeemed according to your corresponding fund share and net value one day, so don't worry that the money invested in the fund will disappear.