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Analysis of the difference between funds and stocks from the

: Financial management  

From the small knowledge of financial management to understand the difference between funds and stock financing, the three interest rate cuts of the central bank have promoted the rapid development of funds and stock wealth management products in a certain way. Many wealth managers have put their wealth management funds into funds, stocks, and p2p networks. On some platforms such as loans, how do you view the risk of fund and stock financing? Consider the differences between funds and stocks in many aspects. Investors need to consider the characteristics of different products before investing, and then decide whether to invest? The difference between funds and stocks is mainly reflected in the following aspects. First, the rights of investors. Although funds and stocks enjoy the company's operating profit by investment share, fund investors appear in the face of entrusted investors. They can withdraw their entrustment at any time, but they cannot participate in the management of investment funds, and the holding of stocks. People can participate in the operation and management of joint stock companies, such as attending shareholder meetings, voting, and participating in major decisions of the company. Second, the risks and benefits of investors. Stocks are equity certificates issued when a company raises funds. As long as the company exists, shareholders cannot withdraw shares in the middle. The stock returns are not only affected by the performance of the company, but also by the quality and conditions of the investors. The investment risk is high and the income is high. It is difficult to determine; the fund is a certificate of income issued by the fund management company. Because it is an expert financial management, the income is relatively stable, can be traded, the price is accompanied by the transaction, the redemption is based on the share held by the investor, and the annual dividend can be participated. The income is relatively average and stable, but because the fund's investment is relatively scattered, the income may be lower than some high-quality stocks, and the average income is better than the average income of the stock. Third, liquidity. There are two types of funds, one is closed-end funds, some of which are similar to stocks, most of which are circulating in stocks, and their prices are fluctuating with the stock market. Its operation is not much different from stocks, and the other is open type. Funds, such funds can be bought and sold at the counter of the fund company at any time, and their prices are basically equal to the net assets of the fund; the liquidity of the stock is based on the number of shares that can be circulated, the volume of stocks, and the sensitivity of the stock price to the trading volume. By measurement, the more shares that can be circulated, the larger the volume, the less sensitive the price is to the volume, and the better the liquidity of the stock, and vice versa. It analyzes the difference between funds and stocks from three aspects. The fund collects the money invested by many investors, and it is only a kind of investment tool, and the stock financing investment is a risk investment, regardless of the fund. Investment or stock investment must be placed according to their own conditions. You must not blindly pursue only the benefits, and the risk size needs to be considered.


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