According to the Measures for the Administration of Investor Suitability, the risks of securities products are divided into five categories from low to high: R 1 low risk, R2 medium risk, R3 medium risk, R4 medium risk and R5 high risk. Investors are divided into five categories: C 1 conservative, C2 cautious, C3 conservative, C4 active and C5 radical.
What is a fund:
Simply put, a fund means that you give some money to the fund company, and the traders of the fund company use your money to invest, usually in the form of stocks. You can also sum up paying for you and hiring professionals to stock for you. So it is very important to choose a good fund company!
How to calculate profit and loss:
If you earn it, you will be given a corresponding bonus according to the number of stocks you buy and the difference between the net value of the unit on that day and the net value on the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value.
Other expenses:
A certain handling fee will be charged at the time of subscription, generally 0.0 12 per share, and 0.005 at the time of redemption. For example, if the unit net value on the day of purchase is 1 yuan, and you buy 10000 shares (one * * is 10,000 yuan), then one * * needs to pay 65,438+. If you use online banking, there will be a corresponding discount, and the handling fee is about 1 10 (the regulations of each bank are different, for reference only).
Fund cycle:
It is generally divided into three stages: subscription period, operation period (closed period) and subscription period. At first, it was a subscription period, usually about half a month. In this half month, you can only buy and cannot redeem (sell), and the buying price is generally 1 yuan. Then enter the operation period (closed period), during which the fund company takes your money to open a position, which can also be said to be the preparation period, which generally does not exceed three months. After opening, most of the foundation will increase, and some will fall back to 0.9* or lower. Don't think that you have lost money at this time, because your investment has just begun. Next, enter the subscription period, at which time you can buy and sell freely.
Risk:
There will be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose. But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is losing money for a long time, provided that you invest for at least half a year.