Funds have broad and narrow definitions. Fund in a broad sense is the general name of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.

The funds we are talking about now usually refer to securities investment funds.

Securities investment fund is an indirect way of securities investment. Fund management companies concentrate investors' funds by issuing fund units, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then * * * bear the investment risks and share the benefits.

If the risk tolerance is not great, if you buy funds to preserve the value, you can consider some bond funds or money funds and capital preservation funds. .

If you are willing to take some risks and pursue long-term interests, I recommend the index fund Harvest 300. . Because in the long run, the market will definitely go up. . . We all have confidence in China's economy (as can be seen from the performance of Harvest 300 in the first quarter of 2009, the increase was over 30%).

Harvest Shen Hu 300 tracks the Shanghai and Shenzhen 300 Index. Relevant research shows that only when the market value of the constituent stocks of the stock index reaches more than 70% can sufficient market coverage be guaranteed and the dynamic evolution of the market share price can be more truly and comprehensively reflected. The Shanghai and Shenzhen 300 Index spans the Shanghai and Shenzhen stock markets, with a total market value of 8 1.82% and a circulating market value of 69.92%. The coverage effect on domestic stock market is far better than other indexes. At the same time, after more than 65% oversold in 2008, the valuation advantage of CSI 300 is obvious, showing good investment value.

There is also a Rongtong Shenzhen Stock Exchange 100, and its growth ability is also very good. . But I want to remind you that when choosing index funds, you should pay attention to risks ~

I still wish you a smooth investment ~