For beginners who don't understand financial management, it is necessary to start from the most basic. It is not enough to know about funds, because some investors may confuse funds, stocks and bonds. So what is a fund? What does the fund mean? Today, Bian Xiao has compiled some fund-related knowledge for everyone. Let's have a look!
What do you mean by financial funds?
Capital belongs to an investment behavior and belongs to indirect investment. Why do you say that? Because ordinary people buy funds not directly, but for fund companies, which give them to fund managers to buy. Fund managers are professionally trained, so their knowledge will be wider than that of ordinary people. In fact, it is equivalent to a trust relationship.
Only when the fund manager invests the investor's money and makes money will the fund rise. If the market is not good and losses occur, then the fund will fall and lose money.
According to the different investment targets, funds can generally be divided into: money funds, bond funds, mixed funds, stock funds, index funds, QDII funds, ETF funds and so on. Different funds represent different risks and returns.
Generally speaking, the money fund is the least risky fund, which mainly invests in short-term financial products with high security, such as bonds, central bank bills, commercial bills, bank time deposit certificates, bank acceptance bills, etc. And it will be profitable every day.
The liquidity of the money fund is relatively good and the risk is particularly small. Basically, you won't lose money. The price is only affected by the market interest rate, so it is more likely to make money. But if the principal is too low, the income will basically be particularly low.
Advantages and disadvantages of fixed investment
Advantages of fixed investment fund:
It is difficult for ordinary investors to accurately judge the buying position when buying in the market. However, if the fund is fixed, no matter what the market situation is, it is possible to share the cost and reduce the risk to some extent by buying a fund with a fixed term of one month or one week.
Secondly, the fixed investment of the fund can prevent inflation. For example, prices have been rising all the time. If you keep your salary in the bank, your income will depreciate if you can't keep up with the price increase. But if the fund is fixed, it is equivalent to saving money in disguise. You can get extra income when the market is good.
Disadvantages of fixed investment:
If you choose the wrong fund and the wrong fund, then in the long run, the fund will suffer long-term losses, and the fund will suffer serious losses, resulting in more and more losses. Therefore, in the case of fixed funds, we must choose a good fund to hold for a long time to make money.
Secondly, the fund will make a long-term fixed investment. With the increase of the number of fixed investment periods, the proportion of each fixed investment to the total capital will be lower and lower, which will make the effect of cost allocation smaller and smaller, and finally the effect of "fixed investment passivation" will appear.
Finally, the fixed investment of the fund only tells investors when to buy, not when to sell, so the fund must learn to take profit when it is fixed. If the best take profit point appears and the fund continues to fall, then there will be serious losses.
What does the fund dividend mean?
Fund dividend means that the fund will return part of its profits to investors' accounts in the form of cash or dividend reinvestment, which is actually a part of the net value of the fund unit, so the general net value of the fund will decline after dividend.
Take a simple example: Suppose an investor holds 2,000 funds, and each fund pays dividends to 0.4 yuan. When the dividend amount is 2000_0.4=800 yuan, the share amount is written as "4 yuan for every 65,438 fund shares", which is converted into the dividend of 0.4 yuan.
In addition, if the net value of the fund before the dividend date is 65,438+0.4 yuan, if the influence of market fluctuation on the net value of the fund on the dividend date is not considered, the net value after dividend should be equal to 65,438+0 yuan (65,438+0.4-0.4 = 65,438+0). In this way, the value of 2000 funds is 2000 yuan, and if it is 800 yuan, it is still 2800 yuan.
In fact, fund dividends do not mean extra money. This money is your own, only distributed to your own account. There are two main ways of fund dividend: one is cash dividend, and the other is dividend reinvestment. Investors can choose for themselves.
Fund cash dividend: that is, every dividend will be converted into cash settlement, and the funds will be directly transferred to the investor's account.
Reinvestment of fund dividends: refers to continuing to buy fund shares for investment instead of returning dividends, that is, compound interest, which is suitable for investors with large capital and long investment cycle.