Funds are different from savings, because open-end funds are sold by banks, and many investors think that there is little difference between funds and bank deposits. In fact, there are essential differences between the two: savings deposits represent the credit of commercial banks, the principal is guaranteed, the interest rate is fixed, and there is basically no risk; The Fund invests in the securities market and bears its own investment risks. The interest income of savings deposits is fixed, and investment funds have the opportunity to share the benefits brought about by the rise of the basic stock market and bond market.
A fund is different from a bond, which is a certificate of creditor's rights-debt relationship that agrees to repay the principal and interest on schedule. Domestic bonds include government bonds, corporate bonds and financial bonds, and individual investors cannot buy financial bonds. National debt has no credit risk and interest is tax-free; Corporate bonds have a high interest rate, but they have to pay 20% interest tax, which has certain credit risks. In contrast, the income of funds that mainly invest in stocks is relatively unstable and the risk is relatively large; Bond funds that only invest in bonds can improve the stability of returns and spread risks with the help of portfolio investment.
Funds have risks, and investment funds also have risks. In other words, the 654.38+00,000 yuan that Yuan You used to buy the fund at the beginning is likely to lose money. Since the fund invests in securities, it must bear the investment risks in the basic stock market and bond market. Of course, except for capital preservation funds with clear protection clauses in the prospectus. In addition, when there is a huge redemption or suspension of redemption of open-end funds, the holders will face the risk of realizing difficulties.
The fund is suitable for long-term investment. Some investors invest in funds with the mentality of getting short-term spreads in the stock market, such as buying and selling open-end funds frequently, and the results often end in disappointment. Because the subscription fee and redemption fee are not low together, and the fluctuation of the fund's net value is far less than that of stocks. This fund is suitable for long-term investment, with stable income and low risk. Novices can buy and sell funds, bonds or fixed investment funds by bringing their ID cards to securities companies to open Shanghai and Shenzhen trading accounts or opening accounts in banks. There are many kinds of funds bought with securities accounts, including almost all kinds of funds and bonds. Funds can be bought and sold on the market or purchased and redeemed off the market. For example, Harvest 300 is a variety that can be bought and sold in the market or purchased off-site, and the lowest price is only 0.3%. It is much lower than the subscription fee of the bank 1.5% and the redemption fee of 0.5%, and the saved handling fee of 1.4% also becomes your profit. Buying on time every month is the same as investing. At present, there are three main channels for buying and selling open-end funds, and the cheapest is floor trading:
Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds.
One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged.
Buying funds or bonds mainly depends on the risk tolerance of investors. Investors with high risk tolerance can buy funds, and investors who pursue stability can choose to buy bonds.