The base market is relatively stable than the stock market, but many people buy stocks. The real reason is that pursues high returns and the investment destiny is in their own hands. In addition, the stock market handling fee is lower than that of the stock market , which is the advantage of buying stocks.
There is a saying that "the public's eyes are bright" means buying funds or buying stocks. After everyone's careful consideration, many people will choose to buy stocks instead of buying funds. There are mainly three main reasons.
Reason 1: The return on buying stocks is greater than that of the fund
The base market is stable than the stock market. This is an indisputable fact. It is precisely because the base market is more stable than the stock market and the volatility is not so large, which leads to certain defects in the fund's price difference. It is indeed more difficult to make a certain price difference in the fund than the stock market.
. When buying stocks, the fluctuations in stocks are relatively large. There will be a price difference as long as there is a fluctuation in stocks. Whether it is buying low and selling high or buying high and low, there will be profits as long as there is a price difference. This is the more attractive thing about funds than the stock market.
For example, Science and Technology Innovation Board and ChiNext Board , the increase or decrease is limited to 20%, which means that the daily amplitude of these stocks is 40%. This fluctuation is already very large, giving investors a lot of temptation. To put it bluntly, many people choose to buy stocks, mainly because they want to get rich overnight from the stock market and make high returns before choosing stock trading.
Reason 2: Investment requires one's own destiny, and not wanting to be controlled by others
The threshold for stock trading is particularly low. At the age of 18, go to a securities company to open a securities account with your ID card, and then transfer the money to the securities account. After you can trade stocks as long as the capital account has money, you can trade stocks; and the fate of stock trading is in your own control, that is, you bear what stocks you buy, when you buy, when you sell, whether you win or lose, and no one interferes with it.
But buying a fund is different. The fate of a fund is in the hands of others. Buying a fund is actually to hand over your own money to the fund company and then hand it over to the fund manager for management; the profit and loss of the fund is directly related to the fund manager. When meeting a good fund manager, you will make a profit, and when meeting a fund manager with poor ability, you will lose a lot.
Therefore, buying stocks is the investor who controls his own destiny, while buying funds is the one who handes his destiny to others. This is the biggest difference between the two. Therefore, we can conclude that why many people are unwilling to buy funds and choose to buy stocks is the most critical reason that they can't trust the fund companies or fund managers. They always feel that there is no good result to hand over the money to them for investment, and they would rather trade stocks by themselves than hand over the money to the fund manager for management.
Reason 3: The handling fee for stocks is lower than the handling fee for fund
. There are three main handling fees for stock trading, namely stamp duty, brokerage commission and transfer fee; among them, stamp duty is charged one-way at 0.1% of the transaction amount; the lowest commission for brokerage commission is 5 yuan, and less than 5 yuan is charged at 5 yuan. Currently, brokerage commission is generally 2.5 yuan, which is two-way; the transfer fee is charged one-way at 0.002%, which is 2/100,000, and the overall handling fee is relatively low.
. Buying funds is different. There are many fees for buying funds, including subscription fee , subscription fee, management fee, sales service fee , custody fee, redemption fee, etc. Generally, after the handling fee for buying funds is discounted, it is charged at 1.5%. For some handling fees that do not have discounts, the fund handling fee is definitely higher than the handling fee of stocks.
For example, taking 100,000 yuan as an example, if the one-time fee for trading stocks for 100,000 yuan is about 150 yuan, and the fees for buying funds will be at least between 200 and 300 yuan, it is obvious that the cost of buying funds is higher; over time, buying funds requires more investment costs than buying stocks, so that the profit has been compressed. This is the defect of buying funds and is also an internal factor for everyone to choose to buy stocks.
summary
Comprehensively understand that funds are more stable than stocks, but there are still many people who are unwilling to buy funds and choose to buy stocks because the stock yield is higher; stocks are bought and sold by themselves and control their own destiny; the most important thing is that the cost of buying funds is higher, which is the internal factor of many people's refusal to buy funds.
In short, you must be clear that investment is risky. Whether buying funds or stocks, the ultimate goal is to make money. As long as you can make money in the fund or the stock market, it is the king.
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