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投资基金,是在市场经济中产生的一种大众化的投资工具。在市场经济较为发达的国家和地区(美国、台湾、香港),投资基金这种投资形式是相当普遍和发达的。随着我国社会主义市场经济的建立和发展,1990年以后,这种投资形式在沿海地区兴起,逐步在全国各地发展起来,并被投资者接受和认可。投资基金在国际上有多种名称,如共同基金、互惠基金、单位信托基金等。其所包含的内容都是相同的——即集合投资大众的资金,将这笔资金委托专家代为投资运用,以达到风险共担、利益共享的一种理财工具。
Investment funds are a popular investment vehicle in a market economy. In countries with relatively developed market economies (the United States, Taiwan, and Hong Kong), investment forms such as investment funds are quite common and well-developed. With the founding and development of China’s socialist market economy, such forms of investment emerged in the coastal areas after 1990 and gradually developed throughout the country and were accepted and endorsed by investors. Investment funds have many international names, such as mutual funds, mutual funds, unit trusts and so on. Its content is the same - that is, a collection of funds for the public investment, the funds entrusted to experts on behalf of investment and application, in order to achieve risk-sharing, sharing of benefits of a financial management tool.