1# hokeelar



投资学重要的是 风险和收益  。在中国股票很少分红，所以基本是赚差价（也叫资本利得），但是中国的股市你应该了解 ，需要相当的技巧（因为在发达市场适应的价值分析在中国还得中国化，呵呵）。基金的话，记得去年上半年整体亏损了5000亿。但是记得07年的时候（股票飞涨的时候）买基金的都排队。
从理论上讲股票收益高风险大。基金风险小，收益小。  但是不论是买股票，还是买基金 还是在大势好的时候比较容易赚钱。大势熊了 ，买什么都不容易过。呵呵
另外，还是得具体问题具体分析，不能近看理论。

以上愚见，希望有所帮助。

Mutual funds vs. individual stock... pro and cons....
It is a controvatial topic. In my opinion (not representing majority), individual stock is better for relatively higher return if you know what you are doing.  If you are not experience investor and not a risk taker, mutual fund is a better choice but overall you may more into mutual fund instead of individual stock because mutual fund charge management fee.  Of course you do not pay extra on management fee because it is built in to overall price.

For individual stocks, you do not pay any management fee as you are self managed but you need to do lots of research on your own... fundamental analysis is vital.  In addition, you need to have understanding of specific industry in which the individual stock you are considering.  Furthermore, you also need to take into acount of hedging your position.... lots of to think about....
It is fun to do all above and I suggest if you have spare $$$ you do not need in the short run, you can invest small amount as a try out.  If you never try you never know.  NO PAIN NO GAIN.

Good luck and thank you for reading!

2# schengkai

嗯，你说的比书上的精准多了。  确实行情才是重要的决定因素。 刚开始投基金是不是选保本型的比较好？ 听说王亚伟的基金是买不到了，其他还有什么比较稳的？

基金还不如股票好。