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More and more people enter the fund market. Can investment funds really make money?
Recently, many friends are asking the fund to make money, for example, can the fund really make money? 1000 yuan How much does the fund earn a day? In fact, this is a very personalized question. Let's follow Cai Xiao for the latest information.

1. What is a fund? Where can I buy it?

Broadly speaking, a fund refers to a certain amount of funds set up for a certain purpose. For example, if we set up a special account for Spring Festival travel rush and put all the budget funds for this trip, then this fund can be called the Travel Fund.

The funds in a narrow sense are mainly trust funds. Generally speaking, special teams (fund companies and fund managers) manage funds for us and invest in treasury bonds, deposits, corporate bonds, stocks, futures and other products to obtain income. All the profits earned belong to our investors, but whether we can get profits or not, we have to pay commissions to fund companies and fund managers.

There are many channels for fund purchase, such as official website channels of fund companies: APP, applets, etc. Or third-party companies sell fund products on a commission basis, such as Du Xiaoman Financial APP, Jingdong Financial APP, and Tian Tian Fund Network APP; In addition, it can also be purchased in banking channels, such as major bank apps and online banking.

Here, Kangbo Financial Bianxiao would like to remind everyone that the fees charged for fund products purchased through different channels are also different.

When purchasing a fund company, generally only fund products issued by the fund company can be purchased, with fewer products but preferential handling fees; Buy in the bank, there are many fund products, but the handling fee is generally not preferential; Buying funds from a third party has more products and corresponding discounts.

Second, can buying a fund really make money?

Not necessarily, it depends on what kind of fund you buy. Different funds have different types, which can be divided into money funds, bond funds, mixed funds and stock funds according to the direction and object of investment.

Equity fund refers to a fund with no less than 80% of its capital invested in the stock market; Bond funds, which will invest no less than 80% of the funds in the bond market;

Hybrid funds refer to funds that invest in both stocks and bonds; Money funds are mainly used to invest in money markets such as deposits.

The risk of these funds from high to low is: stock funds >; Hybrid fund > bond fund > money market fund.

If you buy a money fund, you can basically make money; If it is a bond fund, the probability of making money is high; If it is a hybrid fund and a stock fund, whether it can make money depends on when to buy it and when to sell it, and whether it can make money according to the market situation during the holding period.

Third, how much money can you earn by buying a fund?

Different funds earn different amounts of money. Take the Monetary Fund as an example. At present, the yield of the money fund is relatively concentrated at about 2.3%, 365 days a year, so the money fund earns about 0.06 yuan a day from 1000 yuan.