What are the pros and cons of the fund and what are the three major advantages of the fund

The three main advantages are:

First, the minimum purchase amount is low, the threshold is low, and it is friendly and close to the people

Compared with other investment products such as bonds and bonds, the investment threshold is low.

**The minimum purchase size is one lot, which is 100 shares. If the stock price of a company is 9 yuan, and you want to invest in this company, you need to spend at least 900 yuan.

And like the Yue Bao and Coin Pass that we usually use, they all belong to the category of currency, and you can invest one dollar, which is very friendly to Xiaobai who has just joined the work and does not have much money in his hand.

2. Portfolio investment, diversify risks and improve returns

However, diversification can play a role in reducing investment risks by buying.

Many people are new to investment, they don't know much about investment, and they are worried about losses. **It is a basket**, and the amount of funds is very large, ranging from **dozens** to **hundreds**. Our subscription is equivalent to buying a basket**, through this way of diversification, even if two or three of them are not doing well, it will have little impact on the overall investment effect.

At the same time, if it is a subscription, it is not friendly to people who are just starting out or friends with a bad mentality, they may lose confidence and withdraw from investment because of the impact of the skyrocketing mentality, but we can avoid the impact of the skyrocketing price on us.

Third, there is a professional manager to take care of, the investment is more professional, labor-saving and worry-free

Most people are very afraid of trouble, and at the same time they don't have time to constantly operate and take care of it, people's energy is limited, and they can't do that if they do this, they can't do that, so some people are afraid that investment will take up too much of their time, so they give up.

You don't have to worry about this problem when you buy, after the establishment is managed by the manager, they are generally very experienced investors, they are master's or even doctoral graduates, and they have rich investment experience, and their ability to read research reports and study the company's financial statements is very strong. If you buy, everything is handed over to the manager, you only need to look at the rate of return regularly, and you don't have to worry about taking up too much time, which is simple, convenient and trouble-free.

1.Buy** is to hand over the money to professionals to help you take care of it and help you manage your finances, and ** is which listed company you fancy and buy it yourself, **There is no **high risk;

2.**, there are many types of it, and the corresponding risks are not the same, choose the right one**, you can invest regularly, or you can buy it at the right time;

3.You don't need to spend a lot of time paying attention to it, unlike you, you need to spend a certain amount of time paying attention;

4.**, suitable for long-term holding, suitable for pocket money to make money, novices can start first**, learn some financial knowledge, you can start**, but pay attention to their money not to put in the same egg, **accounted for the majority, **accounted for a small part, and the others accounted for a small part;

Leave your spare money to a professional person to conduct financial transactions. The advantage is that you don't have to worry about it, if you choose a good **, the income will be higher than the bank's deposit interest rate. But not only there is a benefit, but also a risk, once the market has a large fluctuation, the principal will also be lost, so there are benefits to buying ** at the same time, but also need to bear the risk.

Buying ** can be said to be worry-free and effort-saving, which is equivalent to handing over the money to a professional **manager to help you buy**, so that as an ordinary investor, you don't have to bother to study the trend of **.

Benefits: **financial management is different**, the essence of ** is that the professional team manages assets for you, and the investment of **product has different directions, if the investment ** is also a lot **, so at the risk level can be shared to reduce the investment risk, in addition** products have a professional team management, and you do not need to have professional investment knowledge, unlike ** to study a lot.

Disadvantages: There are many products, and when choosing, you also need to select among all products in the whole market, and you need to consider factors such as the company, the manager, and the strength of the team, so it is still necessary to understand the basic knowledge.

Equity Investment**, commonly referred to as Private Equity Investment PE in China. According to the organizational structure, it can be divided into company type, contract type, and partnership system, of which partnership system is currently the most common model. According to the direction and purpose of investment, it can be divided into venture capital, mergers and acquisitions, pre-IPO basics, industrial funds, investment, and so on.

First, the characteristics of investment.

1. Pooling of funds. Combine a small amount of money from investors to form a large amount of capital for allocation investment.

2. Professional management. **The management agency company has a large number of professional research teams and strong information advantages, which can conduct in-depth analysis and professional research.

3. Risk sharing and benefit sharing. **After deducting general expenses, the remaining investment income shall be distributed according to the **share held by the investor, and the risks arising from the investment shall also be borne by the investor.

4. Independent custody and strict supervision. In order to ensure the safety of the assets, the custodian keeps the assets, and the managers carry out investment operations, which are independent of each other, mutually restrictive and supervised, and effectively protect the safety of funds and the rights and interests of investors.

Legal basis: Article 56 of the **Investment** Law of the People's Republic of China** The fundraising application can only be sold after registration.

The sale of shares shall be handled by the manager or the sales agency entrusted by it.

2. What are the main risks of the biggest risk?

1) The first is systemic risk. For example, in 2018, the market continued to follow, and the index also followed the market year-on-year. The Shanghai Composite Index fell by 24 59 in 2018, while the CSI 300 ETF fell by 24 80.

For this kind of systematic **, to be honest, let alone ordinary investors, even large institutions are difficult to avoid, and most of the strategies are ineffective, which can be seen from the rise and fall ranking at the end of last year, it seems that there are really few profitable ****.

The only way to avoid systemic risk is to take a short position, but the result of this is often missing the big rise later, such as the big rise after the beginning of the year, I believe many people have no chance. This is a very, very big subject, and I won't talk about it here.

2) The second is the risk of chasing up and down. The most typical thing is that many people do not enter the market in the bottom area of the market, but enter the market in the middle and late stages of the bull market, so that the **** will be invisibly raised. For example, in the recent wave, many people came to buy ** after listening to the **rise, and then sold the loss ** in their hands after the **big fall, it is estimated that there should be many such people in the past two days.

The three main advantages are:

1. The minimum purchase amount is low, the threshold is low, and it is friendly and close to the people;

2. Portfolio investment, diversify risks and improve returns;

3. Have a professional manager.

Take care of it, invest more professionally, save effort and worry.

**, in a broad sense, refers to a fixed amount of funds set up for a certain purpose. It mainly includes trust investment, provident fund, insurance risk, retirement, and various wills.

From an accounting perspective, ** is a narrow concept that refers to funds with a specific purpose and use. We refer to **investment** mainly.

** Role: The effect on the country's economic development. Promote the horizontal integration of funds and the horizontal connection of the economy, and improve the overall efficiency of resource allocation; Establish and improve the management mechanism of self-restraint and self-development of the first-class sales agency.

To open up investment channels for investors, expand the range of investment options, adapt to the needs of investors for diversified investment motives, transaction motives and interests, and generally provide investors with the possibility of obtaining higher returns.

Balanced type can be roughly divided into two types: one is the stock and debt balance type, that is, the manager will adjust the stock and debt allocation ratio in time according to the changes. When the manager is optimistic, the key loss hall increases, and when it thinks, the market.

When there is a possibility of adjustment, the allocation of bonds will be increased accordingly. Another balanced type ** in the balance of stocks and bonds at the same time, more emphasis on dividends, more consideration of pockets for safety, is also one of the ways to avoid risks. Vote Morgan above.

Double Interest Balance** for example, the ** contract stipulates that when the realized income exceeds the bank's one-year fixed deposit interest rate.

Before tax) times, dividends must be distributed. Investors who prefer dividends may want to consider this**.

The company type is also called common.

It means that ** itself is a share, and the company raises funds by issuing ** or beneficiary certificates. When an investor buys a copy of the company, he becomes a shareholder of the company, receives dividends or bonuses, and shares the income from the investment.

First of all, you have to read some articles similar to those provided by the brother on the third floor, understand how it works, distinguish the difference between sealing the base and opening the base, and distinguish the **type, bond type, and currency type**. Clarify the concepts of public offering, private placement, and special accounts;

Secondly, you have to open an account, and the closed-end ** is to open an account in the **company, which is exactly the same as **; Open is to open an account in a company or bank, it is recommended to open an account in a bank, because the general bank sales are relatively complete. Taking CCB as an example, you need to have a CCB savings card, and then go to the counter to open the "** transaction function" for this savings card.

Then it is to choose the time to enter the market, take the open-ended ** as an example, the investment ** type ** is basically to look at** the general trend, the bond type will look at the bond market, and the currency type you can look at the liquidity of the currency market. If you can't figure these out, you can be indexed or hybrid when you're down, stretch the investment cycle longer, or simply set a profit target, reach the goal and leave.

As for the selection of products, because most of the company's products are seriously homogeneous, so you only need to pick the company, no matter what type of company you buy, although it is right to find a big-name company to issue. At present, the better ones are Huaxia, Bosera, E Fund, GF, and Jianxin.

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. According to different criteria, **investment** can be divided into different categories:

- According to whether the unit can be increased or redeemed, it can be divided into open and closed. Open-ended ** non-listed trading, generally through bank subscription and redemption, ** scale is not fixed; Closed-end has a fixed duration, during which the scale is fixed, and it is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

- According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. At present, China's **investment** is contractual**.

- According to the different investment risks and returns, it can be divided into growth, income and balance**.

- According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

Buying is very simple and can be traded on the floor, that is, bought and sold in the secondary market, just like ordinary investments. You can also subscribe through the selling point of the bank that cooperates with the company, and many banks have the best sales, Industrial and Commercial Bank of China and CCB. If you want to buy, you can ask in detail about the relevant fees, interest ratio; Then study and study the internal situation and past performance of the ** management company.