From: Xinhuanet
Compiler: http://www.fundcn.org

The United States as the global financial industry’s most developed country, and its many varieties of investment options, including stocks, funds, bonds and other investments everything. In the United States, stock and bond markets is a major player institutional investors, the investing public, The most common way of managing money is to buy mutual funds.

United States investment companies, the survey data show that in 2006 about 48% of American families held mutual funds, Fund holders up to 96 million people, accounts for the total population of the third.

A survey shows that 70% of American investors to fund at least 10 years of investment experience. Investors in the average age of 40 years old, average household financial assets in more than 100 thousand U.S. dollars. From the investor’s point of view, the investment is a sense of ability, experience and more mature age groups.

Why Americans so much the Common Fund, which benefits from its market and investment security of the United States Speaking of the pension system.

American Association of Investment Company data show that from 1997 to 2006, an average of nearly 80% of the surveyed fund holders, Common Fund for outstanding achievements on the market is that they favor the Common Fund for the primary factor.

2006, the United States equity funds are up an average of 15% return, then the bank interest rates three times, three years is the best. Among them, investment in China, India and other Asian emerging market fund, the return rate is as high as 36.9%. allow holders wreathed in smiles.

Americans are keen to invest in mutual funds is another important reason to avoid direct investment in the high-risk stock. While investing in stocks is usually higher than investment funds can obtain a higher rate of return, but in the capital market, Risks and benefits are closely related. Most people usually of thousands of stocks and bonds at a loss. If the purchase fund, which could let professional investment team to back their completed assets and the increase in value-added, also through investment portfolio diversification to spread investment risk.

Investigations revealed that 42% of the surveyed fund holders, because of fluctuations of the stock market because the risk is too great, they chose a more secure than stock mutual funds.

Common Fund for the United States to flourish, instead of pension system is inseparable. Since 1981, the United States has been the cause of the social security pension system to be developed rapidly. From salaried employees took out a portion of income into personal pension accounts, and enterprises corresponding to show a certain percentage of their funds into personal pension accounts. According to the U.S. tax system, this part of the funds to enjoy preferential tax policies, that is, individual and corporate pension accounts to pay for the costs from the taxable base deducted swap. Therefore, the American wage earner will be possible to their pension accounts to save more.

Participating in the staff pension scheme, 59% of the people chose investment fund. Investigations revealed that pension funds in the common equity ratio from the previous century, the beginning of the 1990s to 20% increase in the present level of about 40%. become the biggest investor in the Fund.

In terms of investment ideas, some Americans investment philosophy is optimistic about long-term holders. Data shows that the United States fund holders since the 1980s bull market since the average holding period is three to four years. This reflects the American investors of the fund as a longer period of financial instruments, rather than short-term speculation, They are usually not the short-term market fluctuations and frequent access.

Copyright Fund China 2009.

You Might Like: