What are the advantages of mutual funds?
What are the advantages of mutual funds?
Key takeaways
主要外賣
Mutual funds have five main advantages: low cost, professional management, diversification, liquidity, and safety.
共同基金有五個主要優勢：低成本、專業管理、多元化、流動性和安全性。
Understanding the advantages of mutual funds
理解共同基金的優勢
Mutual funds are popular among investors for the following reasons:
共同基金受投資者歡迎的原因如下：
Low Cost. Rather than saving enough money to buy more costly financial assets, such as Google stock, major commodities, and real estate bonds, investors can purchase mutual funds in smaller denominations, ranging from $100 to $1,000. Mutual funds enable individual investors to participate in investments that may only be available to big investors previously.
成本低。投資者可以購買面額較小的共同基金，從100美元到1,000美元不等，而不是存足夠的錢來購買更昂貴的金融資產，如谷歌股票、主要大宗商品和房地產債券。共同基金使個人投資者能夠參與以前可能只有大投資者才能獲得的投資。
Professional Management. It is one of the most important advantages of mutual funds. Each mutual fund is managed and operated by a fund manager who graduates from a famous university with deep investment knowledge and rich investment experience. Since fund managers take care of all the challenges, investors can sit back without keeping regular track of market movement.
專業管理。這是共同基金最重要的優勢之一。每隻共同基金都由一位畢業於名校、具有深厚投資知識和豐富投資經驗的基金經理進行管理和運營。由於基金經理負責處理所有挑戰，投資者可以在不定期跟蹤市場動向的情況下袖手旁觀。
Diversification. It is effective in mitigating risks. As mutual funds invest in different assets such as equity, gold, and debt, investing in mutual funds is the easiest way to achieve diversification for investors.
多元化。它在降低風險方面是有效的。由於共同基金投資於股票、黃金和債務等不同資產，投資共同基金是投資者實現多元化的最簡單方式。
Liquidity. Mutual funds are easier to buy and sell than tangible assets, such as cars or houses. Investors can liquidate their investment into cash easily by redeeming part of the whole fund securities.
流動性。共同基金比汽車或房屋等有形資產更容易買賣。投資者可以通過贖回全部基金證券的一部分，輕鬆地將投資變現。
Safety. In the U.S., mutual funds are under stricter regulation than other pooled investment vehicles. These funds must comply with at least three federal legislations and closely monitor the SEC (United States Securities and Exchange Commission). This protects the interests of the investors to a large extent. Moreover, the SEC requires all the mutual funds to file shareholder reports in a regular basis. Thus, investors can trust the information disclosed by mutual funds.
安全。在美國，共同基金受到比其他集合投資工具更嚴格的監管。這些基金必須遵守至少三項聯邦立法，並密切監控美國證券交易委員會(美國證券交易委員會)。這在很大程度上保護了投資者的利益。此外，美國證券交易委員會要求所有共同基金定期提交股東報告。因此，投資者可以信任共同基金披露的信息。
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欲瞭解更多投資知識和趨勢，歡迎訪問課程關於社區。