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Question 1: Compared with stocks, mutual funds have four main advantages: 1 professional operation and management. Mutual fund companies hire professional fund managers and research teams to engage in market research, and have a deep understanding of the overall and individual investment environment at home and abroad, as well as the situation of individual companies. And as long as you spend a little fund management fee, you can enjoy the services of experts, which can be said to be the best gospel for small investors. However, direct purchase of company shares may lead to investment mistakes due to limited personal ability or asymmetric information. 2. Diversification of investment risks Mutual funds have more assets than ordinary investors, and they can be scientifically combined within the scope of law by virtue of their concentrated huge funds, scattered in different stocks and even different investment tools, so as to realize real risk diversification, and will not cause great losses because of a wrong stock selection. However, investing in company stocks, due to limited personal funds, can not spread risks through asset portfolio, so the risk of company stocks is even greater. 3. High security. Mutual funds adopt the principle of separation of custody and operation. If the fund company or custodian bank goes bankrupt unfortunately, the creditor may not request to detain the fund assets or exercise other rights, and the rights and interests of investors will not be affected. However, if you invest in the company's stock, if the company goes bankrupt, there will be little distribution through the remaining assets. 4. Liquidity is quite flexible. When investors don't want to invest, they can choose to quit at any time. The money for redeeming domestic bond funds can arrive on the next working day, and domestic equity funds and overseas funds can arrive in about one week. Unlike other investment tools, there is a risk of not selling. 5. Small funds can invest in the whole world. Mutual funds spread investments to different targets, even to different financial markets (regions and countries). Investors can share the fruits of economic growth in various regions of the world with a minimum of 3,000 yuan (fixed time limit). Compared with other investment tools, the lower investment limit is much smaller.