【每日阅读训练第四期——速度越障22系列】【22-18】经管_Mutual Fund

flonacui

谢谢心动 辛苦了 也欢迎新朋友~
1'12''
>The definition of the mutual fund.
>How do people make profits through buying mutual funds. 1)2)3)
1'30''
>Many advantages of buying a mutual fund.
  professional expertise; liquidity; economic of scale; spread the risks; easy to handle etc.
1'27''
>The disadvantages of mutual fund.
  tax; costs; dilution; whether the inverstors' portfolio could get real professional management.
1'58''
>Q&A
  The profitability about the mutual fund.
1'57''
53''
obstacle
5'14''
>Recently, many mutual fund refuse new inverstors to buy theri funds.
>Experts said this is a great phenomena because the greedy people now tried to consider and protect the profits of their inverstors.
>But, the mutual fund are not completely selfless doing this.
>People wonder will the mutual fund reopen the market again. The experts did not know. But the reopen thing happened in the history.

起风113

还是经管类读起来轻松，受益了~
00:50 What is mutual fund and how investors can earn money from it.
01:19 Advantage of mutual fund: professional management, low risks, low transaction costs, easy to convert to money, need less to buy
01:35 Disadvantages of mutual fund: the manager may not be more professional, regular paid cost cannot be used to invest, holding too much makes the gain little, tax problem
01:55 The situation today has changed, interest rate keeps rising and investors should expect less on their return.
01:54 There won’t be a crisis in bonds, but now people should diversify their investments to the securities that are not very sensitive to interest rate.
   
04:53 Mutual fund companies stop receive investments from new investors.
     The more money there is in the pour, the more difficult to manage it.
They do so to protect the existing shareholder’s and their profits.

olivia瓜瓜

今天的来了、、

修一一

谢谢心动为小分队，为CD，为我们大家的付出~ 看好你~加油！
time1   1'58 warm up of mutual fund: What is mutual fund. mutual fund is popular in all of the investments. mutual fund is a simple and effective way of investment.
time2   1'36 Five advantages of mutual fund.
time3   1'35 Four disadvantages of mutual fund.
time4   2'13 The interest rate cannot be increased so that some people who buy mutual fund can't earn much money.
time5   1'57 The expert recommends us not to abandon mutual fund especially long-term fund. He suggests us to diversty our invest poflio.

O         3‘40  Over 300 mutual funds close door to new ivvestors because they already have too much money to run. This is a method to protect their exsisting investors. But these closed mutual funds probably re-open again.

饼干小熊

T1〜5 9'20
O 3'52

墩墩大人

辛苦啦。心动姐。哈哈。跟小分队也2个多月了。无限感激！！！！！！！。~   
00:55
01:14
01:56
01:59
01:54
   
04:53

Victoriagirl

      谢谢心动

01；30  Metual funds refers to an investment ,a company bring together all the money from different people.Besides, when the company get profit in the investment ,people can choose to either sell their fund or get more dividends.

01;47 It tells us some advantages of the metual fund. Professional management, lower risks,diverse nvestment, money getting from bank quickly, buying the metual fund easily, selling to other people easily.

01;20 It tells some disadvantages of the metual fund.professional management may not get more profit than you .You may spend some extra fees in metual funds. When a manager get a success in the investment, but it'll dilute in some extent. It you plan to sell a fund , you may have to pay some taxes.

02;20  The interest rate is get high while the bond rate is get low.
       If the investigator is patient enough ,he can still get profit.
       It is known to all, the bond is changeable nowadays, so it  is advisible to invest in coupon.

01;52 Maybe profits in bond we get is low, but it not means it doesn't menas the bond crisis.
     It doesn't means that buying bond is a bad idea,because the interestrate only increases by 4%.
     It is a good choice to have less interest rate sensitivity in their portfolio.

04;58  The company have close their doors.
       The purpose of closing the door is to ensure the share of every investor.
        Besides it, the investment company can't handle to much money ,as somebody says, it seems to sell cars, one reason for they don't sell cars is that they are much traffic in the road.
       Maybe the investment company will not close to investor forever

rcurly

1.1'13''
The definition of mutual fund and how to make profit by the mutual fund. This part gives three ways.

2.2'00''
The advantages of mutual fund.
professional
economies of scale
liquidity-you can change your fund into cash at any time
diversification
投资金额门槛低(返回去看到文章写的是Simplicity)

3.2'03''
The disadvantages of mutual fund
professional manager- maybe they are not reliable but you have to pay them.
costs-high
dilution-I do not understand this part(查了下，dilution是稀释的意思，是不是说当投资太多了会稀释掉利益，投资经理人也不好再找寻新的股投。？)
taxes- there are lots of troubles with them.

剩下的晚点儿来补充。。~

diweiwang

占座，欠了好多了。。。

Jessica晶小晶

1.54’’ (187)
Introduce the definition of mutual funds and three ways to get profit from them.
2.1’10’’(273)
The advantages of mutual funds: professional management, diversification, lower transaction cost, liquidity and simplicity.
3.1’30’’ (268)
The disadvantages: the ability of professionals, operation fees that investors should pay, diversification means low profit, taxes
4.2’07’’(330)
The recent trend of increasing interest rate makes long term bond not a good investment and coupon is a better choice.
5.1’29’’(322)
Although long term bond is not profitable when interest rates are rising, it doesn’t mean people should sell all of it. The professor advices that people should be more diversified in their investment portfolio and decrease interest rate sensitive products.

5’54’’
There is a trend that many mutual funds close their doors to the new investors from 2011 to 2013. Experts say this is a good thing to protect existing investors, although new investments mean larger fees, they bring difficulties in managing the funds. But the close of funds may not be forever