I want to know about funds! Hello, I want to know more about private equity, thank you!

Buying** is also a way to invest in financial management. If you make a **investment, **bullishness, you will have a profit immediately; If it's a big bull market, your gains are very large. For example, the bull market in 05-07 can earn about 300% in two years.

On the contrary, if you go bearish after buying, you will lose money immediately, and the worst loss in the past 10 years is about 60%. If you want to quit halfway, it is also very convenient, and it is easy to get back the money invested, but you can only get it back according to the specific market value at that time. Was it earned or accompanied?

It depends on when you get in.

Let me tell you a little more about the basic knowledge, according to the structure of its investment, it can be divided into**type**, bond type**, currency type**. According to whether its share is fixed or not, it can be divided into open ** and closed **.

After opening an account in the company, you can buy and sell closed-ended. Once you have opened an account with a bank, you can buy open**.

Let's talk about it: People often say that **, mostly refers to the **type** in the open**. My answer above is based on the characteristics of this **.

How exactly to buy? You can ask the staff at the sales office. It's very simple, just do it once and you're done.

The characteristics of **type** are: mainly look at** whether it is a bull market? Generally speaking: after buying **, if it is a bull market, it will make money. On the contrary, if it is a bear market, you will lose money.

This kind of question is too open-ended and difficult. Let me briefly say what I understand.

The first is the definition. It is to give your money to the manager to buy, and the money earned belongs to you, but you have to regularly set aside a part of your money as other people's salaries. Theoretically, it is called collective investment, expert financial management, income sharing, and risk sharing.

The second is classification. There are open and closed, companies and contracts, but the most commonly used is **, bonds, currency, mixed distinction, the standard of classification is the investment target. Generally, everyone loves to do **type**.

In addition, there is a special LOF ETF capital protected FOF, etc., which is said to be formulated for different investors, but I don't think it is of much use, and when everyone doesn't understand anything, they are fooled by the people of the bank and ** company and then buy it, and then it falls. So my conclusion is that as long as you understand what ** is, it's fine, and classification is of little use.

The third is earnings. In fact, whether you can make money depends on the performance of the market and the ability of the manager. So it is recommended that people like you who don't know anything about it do an exponential ** first.

Finally, there is the operation. Go to the ** company or bank to buy it.

I recommend you a book, "Stir-fry **, just these few tricks" book bar Here are also a sentence or two that are not clear, and if you don't understand, ask it.

Take a small amount of money and go to the bank to buy it once.

The water is very deep, and it's best not to wade through this muddy water, unless you're the boss.

Generally simple judgment: private placement** to see if there is a license, to see if there is a record in the association, to see if the manager has a record, to see the investment threshold (the state stipulates that the investor threshold is 1 million), if there is only 10,000, then you should be careful.

The company-based private placement is a form of joint-stock investment company (such as a certain investment company), the company is composed of shareholders with common investment objectives, and has the highest authority of the general meeting of shareholders, the executive body of the board of directors and the supervisory body of the board of supervisors. Through the corresponding power allocation and checks and balances of these three organs, the company will do its best to serve the interests of shareholders. At the same time, investors become shareholders of the company by purchasing the company's first share, and enjoy the right to participate in management, decision-making, income distribution and distribution of remaining assets as stipulated in the Company Law.

Corporate private placement** has a complete corporate structure, and the operation is relatively formal and standardized. Current corporate private placements** (eg"XX investment company"It can be established relatively easily in China. Semi-open-ended private placements** can also be operated in a more flexible way, without having to accept strict approvals and regulations, and the investment strategy can be more flexible.

You can see if your company has a private placement license.

It's you who pay for it, and others who pay for it.

If you buy a share, you are an investor.

**The company will gather everyone's money, and there will be a lot of billions.

Then**the company takes the money to invest**, bonds, and many other products To put it in layman's terms, it means that everyone puts the money together and gives it to one person to do business and make money, and everyone shares the profits, and everyone bears the losses together.

The person who takes everyone's money to do business charges a certain hardship fee (for **, it is a management fee).

Whether or not you can make money depends on that person's performance.

If you buy, it depends on the performance of the company.

The company will try to make money, but there are risks.

No matter who you are, you can lose money.

So, you will also lose money.

If there's anything you don't understand, you can keep asking.

**That is, if you give me the money, I will use your money to invest If you earn, you will share it according to the proportion of the share you bought, and if you lose, you will also bear it proportionally.

Got it?

Of course, it will not be operated seriously, **The manager is concerned about not ranking at the bottom, playing more trading volume, and getting more rebates. You can see how many of the hundreds outperform? Not a quarter.

** Regardless of profit or loss, you will be charged various management fees.

** That is, you give money to a project of a professional investment company, and the project manager of the investment company takes your money to invest, and then calculates the profit and loss according to the share and proportion of the money you invest in the project.

Hundreds of millions of small ** money are gathered together and handed over to the **manager for trading, and the **company collects handling fees and management fees. **We share benefits and risks.

Bring your ID card and bank card to the bank to handle**You can buy ** after opening an account**. **There is a one-time **, a minimum of 1000 yuan, and a fixed investment**, with a minimum investment of 200 yuan per month. If you plan to invest regularly for a long time, choose one with back-end fees**.

Regular investment** is suitable for choosing **type and index type**, because they fluctuate greatly and can effectively amortize costs. If you plan to invest regularly for a long time, at least for more than five years, choose one with back-end fees**. Currency base** is not suitable for regular investment.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

It is recommended that you choose regular investment** because your time, energy and financial management concept are not yet mature.

There are two types: open and closed, and the open can be purchased directly at the company, or through various banks. Closed** must open **account** and buy it like buying and selling**.

There are several types of open-ended, currency, bond, principal-guaranteed and open-ended. Currency**No subscription and redemption fee, the income is equivalent to a half-year to one-year deposit, which can be redeemed at any time without losing money. The subscription and redemption fees of the bond type ** are relatively low, and the income is generally greater than that of the currency type, but there is also a risk of loss, and the loss will not be very large.

**type** subscription and redemption fees are the highest, **assets are**, ** when ** there is a risk of loss, but if ****, there is a profit. Through long-term investment, the average annual return of ** type ** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

It refers to a collective investment method of benefit sharing and risk sharing that gathers the funds of many investors through the sale of **shares, forms an independent property, is managed by the custodian, managed by the manager, and invests in the form of a portfolio. Investors can purchase on-exchange through **account**, or purchase over-the-counter** distributed by brokerage after opening **account**.

About the trading rules and the basic knowledge of the company, you can learn in situ through our investment education or easy to learn the gold - discovery - stock brother encyclopedia, easy to learn more financial management courses, teach you how to identify the investment risks of various products, and also tell you about the relevant screening skills and investment methods.

Teaching Paradise**.

Suppose you have a sum of money that you want to invest in bonds, ** and so on** for appreciation, but you have no energy and no professional knowledge, and you don't have much money, so you want to partner with 10 other people to contribute, hire an investment master, and operate the assets that everyone has combined to invest in value. However, if more than 10 investors negotiate with investment masters at any time, it will not be chaotic at that time, so one of the most knowledgeable will be elected to take the lead in this matter. Regularly give him a certain percentage of the assets from the group, and he will pay Gao ** on his behalf.

Of course, he takes the lead in helping to organize large and small things, including running errands from house to house, reminding the master of the risks at any time, regularly announcing the profit and loss of the investment to everyone, etc., not in vain, and the money in the commission also has his labor fee. These things are called partnership investments. Amplify this partnership investment model by 100 times, 1000 times, that is.

If this kind of private partnership investment activity establishes a complete contract between the investors, it is a private placement** (which has not been recognized by the relevant laws and regulations of the national financial industry supervision in China). If this kind of partnership investment activity is approved by the national industry management department (China ** Supervision and Administration Commission), the lead operator of this activity is allowed to publicly raise funds from the public to absorb investors to join the partnership, which is the issuance of public offering**, which is now common**. It is an indirect way to invest.

The management company concentrates investors' funds through the issuance of ** units, which are managed by ** custodian (that is, qualified banks), and the ** manager manages and uses the funds to invest in financial instruments such as ** and bonds, and then shares investment risks and benefits.

To put it simply, you hand over your money to the ** company for a certain period of time, with the purpose of investing and making money. In the end, whether to make money or lose money is the final word of the company, and how much it will give you at the end of the period. Before you buy, the company will inform you that the investment is risky and you do it at your own risk.

You can choose between companies and different products, but you can't choose to make money.