At the same time, in the fund market, some funds realize the T+ 1 trading mode, that is, the funds bought on the same day cannot be sold on the same day, and they need to wait until the next trading day to buy.
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The difference between funds and stocks:
Both of them belong to investment varieties, and stocks belong to direct investment, and they are directly traded with money to open accounts; The fund is an indirect investment, so the money is given to the fund manager, who will trade on his behalf.
1. From the perspective of the underlying assets, buying stocks is equivalent to being a shareholder of this company. Essentially, what we buy is the profitability of the company. If the company itself makes money and is willing to take out the extra profits and distribute them to shareholders, then you can get dividends. If the company has poor profitability or poor management, the stock price will also fall.
The underlying assets of buying stocks are only stocks. The basic assets of the fund are relatively rich, and the fund can invest in bonds, commodities, real estate, gold, bank deposits, various indexes and so on. So when you buy a fund, you are actually buying a portfolio.
2. From the perspective of risk and fluctuation, the stock price fluctuates greatly, while the fund price fluctuates relatively little. The daily limit of A shares is 10%, while the daily limit of U.S. stocks is infinite, which means that if you invest in a stock, its fluctuation range can be very large, even up to 20% under special circumstances, which will be directly reflected in the stock price.
But the fund will not have such a high fluctuation range, because a fund invests in dozens or even hundreds of stocks, and each stock goes up and down on the same day. Funds will not have such a high vibration range of 20% on average. Generally speaking, a one-day fluctuation of around 3% is considered as great. From this perspective, the fund is more suitable for financial white users who have just entered the market.
3. From the perspective of investment return, if the stock selection is better, the stock can triple in a year, but this situation is impossible in the fund. People who have confidence in their stock selection ability and have enough energy can allocate more stock assets. It is suggested that ordinary people allocate more stock assets mainly by funds and hand over the money to professionals. You must think carefully before investing.