Investment and financial management not only exercise ability, but also exercise human nature. Only by knowing yourself and your opponent first can you win this war. So first, let's talk about stocks. In economics, it is the representative of high risk and high return. In China (except Hong Kong stocks), because there is a maximum daily principal of 20/ 100, the loss is also this value, and the system of t+ 1 is implemented. Buying today can only be sold on the next trading day; There is no limit on the fluctuation of Hong Kong stocks and foreign countries, and t+0 system is implemented, so the trading hours are different.
Let's look at the fund again. Fund is a portfolio investment model with * * * returns and * * risks, that is, through issuing fund shares, investors' funds are pooled and managed by fund custodians, who manage and use funds to invest in financial instruments such as stocks, bonds, foreign exchange and currencies, so as to obtain investment returns and capital appreciation. The names of investment funds are different in different countries or regions. In the United States, they are called "mutual funds", in Britain and Hongkong, they are called "unit trust funds", and in Japan and Taiwan Province Province, they are called "securities investment trust funds". Classification of funds: Public Offering of Fund and private equity funds by way of raising. According to the use of funds: (1) securities investment funds (2) venture funds (3) hedge funds. Funds generally have an expected time, and the rate of return varies according to the types of funds.
Compared with funds, the level of knowledge required by stocks is more complicated. Although many aunts with low level of knowledge also made money through stock trading, it is undeniable that they are pioneers, and they basically lost money at the beginning, just in time to collect money. And look at the current situation of China market, most of them are young and middle-aged. Of course, I am one of them. I just went in when the market was high and became a receiver. For me, on the one hand, I lack patience and greedy desire. On the other hand, the difficulty is that I like to operate Man Cang under the condition of insufficient funds, which leads to a large loss in the early stage and gradually has my own model in the later stage. But it is easy to be a winning general in the big A market, so I gradually earn some pocket money occasionally between profit and loss. Of course, I also came into contact with funds in the late stage of stock trading, and my cousin is an investment fund. Comparatively speaking, if the investment fund's income is lower, it will be relatively easy, and you don't have to stare at the market often.
Therefore, if you don't have a lot of money and don't know anything about stocks and funds, I will advise you to choose funds, because the people who use your money are people with advanced professional knowledge, and you must have greater advantages than those who don't know anything; If you are a very self-disciplined person, not greedy, patient, well-funded, and have a good understanding of stocks, then it is understandable to choose stocks. Generally speaking, what kind of financial management method to choose should be operated according to your own reality. It is not recommended to use gambler mentality as a means of getting rich overnight. After all, hard work and struggle are the choices of most people.