Can I still buy it now? ------Yes.

Is fixed investment or one-time investment more appropriate? You can consider fixed investment.

I heard that if you buy a fund of 3,000 yuan at one time, you can get 200 yuan every month------Who told me, if this is the case, there will be no poor people in China.

Funds are risky!

!

Forget the 200 yuan, the fund’s dividend?

------impossible.

Don't listen to other people's nonsense.

Can you redeem the capital of 3,000 yuan? It's not as simple as you think. If you lose money, you won't have 3,000 yuan.

Judging from your question, I don’t know anything about funds. This is a question I have answered to many novices. It is relatively common. You can take a look at it first before talking about it.

1. What is a fund?

I want to ask you first: Do you know what stock trading is?

If you know, it would be easy to explain. A fund (stock type) means that we give money to the fund company to buy stocks.

So why should we leave it to the fund company and don’t we buy it ourselves?

Because the professionals of fund companies have a higher level of stock trading than us ordinary investors (this is the most commonly used temptation word when fund companies persuade people to buy funds).

Therefore, investing in stock funds means investing in stocks indirectly, and the fund will bear the risks of stocks to a greater or lesser extent.

Many investors don't actually know that funds invest in stocks indirectly, so they think that funds are guaranteed to make money without losing money. This is a big mistake.

Precisely because we give money to fund companies to buy stocks, we always have to pay others some labor fees, so there are subscription fees and redemption fees.

Of course, as a fund company, because it has professional personnel (with rich professional knowledge in stock trading) and huge funds (can buy many stocks), it objectively has a much greater chance of profit than retail investors.

That is to say, many people think that funds are still the first choice for investment and are unwilling to touch stocks.

In addition, there are also bond-type funds. Buying a bond-type fund is equivalent to us giving money to the fund company to buy bonds.

You may ask again: Why not buy it yourself?

Because the fund company has a lot of money and is an institution, it can buy many corporate bonds that are not open to ordinary investors, and the profit is much higher than the treasury bonds we can buy.

Put it this way, I wonder if you can understand.

Just understand it this way: a fund is when many people give a lot of money to a fund company to buy stocks or bonds.

2. The difference between funds and stocks. If you want to know the difference between funds and stocks, it is best to first know that funds include stock types, bond types, etc.

In layman's terms: stock funds - you give money to others, and others buy stocks for you.

There is no essential difference between it and stocks. Because the fund company not only uses your money to buy stocks, but many people give money to the fund company to buy stocks, so the stocks that the fund company can buy are smaller than what you can buy with your own money.

That little money can buy a larger number of stocks, so the money you give to a fund company to buy stocks is naturally less risky than the money you use to buy stocks directly.

Therefore, stock funds are less risky than stocks, but they are the riskiest among fund types and have the highest returns.

Bond funds - you give your money to others and they buy bonds for you.

The difference with stocks is clear at a glance.

3. Fund investment fees: Currency funds - no-fee bond funds - subscription fee is about 0.8%; redemption fee is 0.1%-0.3% (within one year), and the redemption fee varies with the time of holding the fund.

Redemption upon extension, generally no redemption fee will be charged for more than three years.

Stock funds - the subscription fee is about 1.5%, and the redemption fee is 0.5% (within one year). The redemption fee decreases with the length of holding the fund. Generally, the redemption fee is waived for more than three years.

This is just a rough standard. The fee rates for buying funds at bank counters, bank online banking, and fund company websites are all different. Among them, fund company websites are the most favorable.

So, you have to figure it out when you buy.

Whether it is subscription or redemption, the handling fee is calculated based on the amount.