买基金好还是买股票好
关键词：买基金好还是买股票好
随着金融市场的发展，国内可供投资者选择的投资产品遍地开花，较早的产品，如基金和股票的市场已经发展完善，几乎每个家庭都会多多少少投资一点，那么对于投资者而言，这两个产品哪个比较好呢？现在就让小编来为大家做个对比。
| 基金 | 股票 | |
| 所需资金 | 一般最低单笔1000元，定投200元起 | 一般最低2000元，最少投入可至200多元左右，视股价而定 |
| 投资方式 | 间接的证券投资方式，基金投资者不直接参与有价证券的买卖 | 投资者直接参与股票的买卖 |
| 价格波动性 | 受基金单位资产净值、基金市场活跃度、银行存款利率影响 | 受公司经营状况、供求关系、银行利率、大众心理等多种因素影响，有较大不确定性 |
| 收益性 | 货币型年收益3.5%-5%，债券型年收益6%-9%，股票型年收益30%左右 | 日涨停幅度10% |
| 风险性 | 基金的投资属于组合投资，其按照投资种类的占比分为债券型、股票型、货币型，比单一投资股票的风险稍低 | 由于价格波动不确定，因此具有较高的风险，更因为价格受公益经营影响，一旦经营失策，可能会导致投资者损失惨重。 |
| 交易成本 | 认购费、申购费、赎回费、基金转换费 | 佣金、过户费、印花费、其他费用 |
经过对比，大家是不是可以发现，如果从收益性来说，投资股票比投资基金好，如果从风险来说，投资基金比投资股票更安全？收益与风险往往是成正比的，这是毋庸置疑的规则。因此，基金与股票没有说投资哪个比较好，只有选择适合自己的才算好。若您的资金不多又希望能安全获利，那么基金适合您；若您有足够的资金，又希望较快获得回报，那么股票适合您。
本文来源： 大田环球贵金属
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