什么是基金-基金if是什么
近两年来，基金突然火爆了起来，小到学生，大到家中长辈都开始投资起了资金，像小编身边就有不少小伙伴也加入了这个行列，虽然战线颜色偏绿，不容乐观，不过还是引起了不少人的好奇，那么基金到底是什么呢？
In the past two years, the fund has suddenly become popular. From students to elders in the family, they have begun to invest funds. Like the editor, many small partners have also joined the ranks. Although the color of the front is green, it is not optimistic. However, it still aroused the curiosity of many people, so what exactly is a fund?
基金，英文是fund，广义是指为了某种目的而设立的具有一定数量的资金。而简单来说，基金就是一笔钱交给别人，并让别人帮你花的同时，还能带来好处的钱。而基金的种类也非常的繁多，助人用的叫慈善基金，出事用的叫保险基金，支付退休收入用的叫退休基金，而我们最开始所说的叫做投资基金，它是为赚钱用的。举一个简单的例子，某位投资者想要炒股，但不知道怎么操作，他就将这笔钱交给基金公司帮忙代理，而基金公司又将收到的钱转交给下面的基金经理们打理，然后由经基金理用这些钱去炒股。而这就得根据股票的涨跌来确定投资者是赚钱还是赔钱了，但无论结果怎样，基金经理的劳务费还是照付，而依靠这种方式赚钱的叫做股票型基金。除此以外还有债券型基金，货币型基金、指数型基金，如果你的基金经理把货币型基金与股票型等基金都弄一下，那这又叫做混合型基金。
Fund, English is fund, broadly refers to the establishment of a certain amount of funds for a certain purpose. In simple terms, a fund is a sum of money that you give to others and let others spend it for you, while still bringing benefits. There are also many types of funds. Charity funds are used to help people, insurance funds are used for accidents, and retirement funds are used to pay for retirement income. What we said at the beginning is called investment funds, which are used for making money. To give a simple example, an investor wants to invest in stocks, but does not know how to operate, he will give the money to the fund company to help the agent, and the fund company will transfer the money received to the following fund managers to fight. Management, and then the fund management will use the money to invest in stocks. And this has to determine whether investors make money or lose money according to the rise and fall of stocks, but no matter what the result is, the labor fees of fund managers are still paid, and those who make money in this way are called stock funds. In addition to this, there are bond funds, currency funds, and index funds. If your fund manager manages both currency funds and stock funds, then this is also called a hybrid fund.
而根据基金单位是否可增加或赎回，又可分为开放式基金和封闭式基金。开放式基金不上市交易，通过银行、券商、基金公司申购和赎回，基金规模不固定；封闭式基金有固定的存续期，一般在证券交易场所上市交易，投资者通过二级市场买卖基金单位。
According to whether the fund units can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not listed and traded. They are purchased and redeemed by banks, securities companies, and fund companies. The size of the fund is not fixed; closed-end funds have a fixed duration and are generally listed and traded on securities exchanges. Investors buy and sell fund units through the secondary market. .
说到最后，既然是投资，那肯定是有风险的，哪怕你找了个会技术，懂行情的基金经理，也不可能保证你一定能赚，这不前两周一个叫Bill Hwang的韩国人炒股亏了150亿美元，折合成人民币九百多亿元，凭一己之力，刷新了个人投资者单日亏损最高历史记录。像这样的金融巨鳄都有失误的时候，更何况我们这些普通人呢？所以说投资有风险，需谨慎再谨慎。
In the end, since it is an investment, it must be risky. Even if you find a fund manager who knows the technology and understands the market, it is impossible to guarantee that you will earn it. This is not a Korean named Bill Hwang two weeks ago. The stocks lost 15 billion U.S. dollars, which was converted into more than 90 billion RMB. With one's own efforts, it broke the historical record of the highest single-day loss for individual investors. When financial giants like this all make mistakes, let alone ordinary people like us? Therefore, investment is risky, so we need to be cautious and then cautious.
部分参考资料来源于百度，英语来源于Google翻译
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