Topic: 请教各位专家，到底什么是mutual funds?利率有多高?有什么好处?我看到ING Direct的mutual fund利率有10%。谢谢! @枫下论坛 The Rolia Forum

枫下家园 / 理财投资税务 / 请教各位专家，到底什么是mutual funds?利率有多高?有什么好处?我看到ING Direct的mutual fund利率有10%。谢谢! -guest:; 2001-8-3 (#155191@0)

大约1.25% 吧？ -lemondy(柠檬2000); 2001-8-4 (#155581@0)
其实，只要把与其盈利减去管理费，然后再和存款利率比较即可。一般来说，稳健性的基金，比如money market, security fund 的实际收益和存款差不多，而income fund 和 growth fund 要高一些，但有风险。 -lemondy(柠檬2000); 2001-8-4 (#155587@0)

mutual fund is fund managed by professionals, that is appropriate for everybody, but if -banker(financial advisor); 2001-8-28 {537} (#181955@0)
you don't know much about investment or you don't have time to take care of your investment, you can just put your money in mutual fund. it's not safe heaven, sometime you may lose as much as you play stock. it can be scare too. it may give you some profit, but no guarantee at all. management fee on mutual fund is high, and no matter the fund appreciate or depreciiate, you will have to pay management fee.
mutual fund pays dividend. only moneymarket fund and t-bill fund pay interest which is slightly higher than saving account.