It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
Different kinds:
1, which can be divided into open-end funds and closed-end funds according to whether the fund units can be increased or redeemed. Open-end funds are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed.
2. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund.
3. According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund.
4. According to different investors, it can be divided into four categories: bond fund, stock fund, money fund and hybrid fund.
Others:
Suitable for people:
1, suitable for office workers with fixed wages. After deducting daily expenses, people with fixed income often have a surplus. At this time, a small amount of fixed investment is the most appropriate.
2. Busy people who are absorbed in their work and have no time to manage their finances. The fund can invest automatically for a long time with a fixed investment.
I don't like the steady person who takes too many investment risks. The fixed investment of the fund can stabilize the cost, reduce the risk of price fluctuation and improve the profit opportunity.
Cost problem:
The expenses directly borne by fund investors refer to the one-time expenses paid by investors for fund transactions. For closed-end funds, like buying and selling stocks, a certain percentage of commission is paid outside the price. For open-end funds, it mainly refers to subscription fee and redemption fee.
Fund operating expenses: refers to the expenses incurred during the fund operation, mainly including management fees, custody fees and other expenses, which are directly deducted from the fund assets.
Refer to the above content: Fund-Tian Tian Fund Network