Comparing Stock and Fund Investments: Which Option is Right for Busy Investors?

In the context of the stock market constantly fluctuating according to the economic cycle, the group of busy investors often faces the question: should they choose stocks - an investment channel that requires close monitoring - or fund certificates, where the portfolio is professionally managed? Although these two investment channels exploit profits from the capital market, these two investment channels are clearly different in terms of operation, risk level, profit and the amount of time required.

Stocks: High returns but volatile

Investing in stocks is highly proactive. Investors have full freedom to choose the industry, business, buying and selling time and trading strategy. In fact, there have been many periods when the market increased sharply, and profits from stocks far exceeded the interest rates from traditional channels.

However, high returns often come with large fluctuations. Stock prices change continuously from session to session, affected by business results, market sentiment and macro factors. For investors with little time, timely information capture is a significant challenge. In addition, small portfolios are prone to risk concentration if they revolve around only a few stocks.

Fund Certificates: A Safe Solution for Busy Investors

Fund certificates are suitable for investors who want to access the market but cannot follow daily developments. The portfolio is managed by experts, allocated to many assets such as stocks, bonds or monetary assets, helping to reduce risks compared to choosing each stock code. The development of open-end funds and fund certificates also brings higher liquidity than before. NAV is announced periodically, trading is flexible and suitable for investors with long-term strategies.

Some investors are also interested in whether the fund certificates have dividends ? In fact, depending on the policy of each fund, profits can be distributed to investors or reinvested in the portfolio to increase the net asset value in the long term.

Investors can rest assured because the fund certificate portfolio is managed by experts.

Techcom Securities (TCBS) - A safe choice for investors

Among the prestigious fund certificate distributors in Vietnam, Techcom Securities (TCBS) is one of the pioneering organizations that provides a comprehensive investment ecosystem, helping busy investors optimize long-term profits without having to constantly "monitor".

More peace of mind - Funds distributed by TCBS are managed by a team of experienced experts with a thorough understanding of the domestic and international markets. The fund portfolio is scientifically allocated between stocks, bonds and other assets, ensuring compliance with transparent investment processes and strict risk control.

More effective - Investors do not need much in-depth knowledge or regular market monitoring but can still expect long-term profits that are twice as high as the average 12-month savings interest rate (actual income depends on investment period).

More flexible - TCBS offers a variety of investment strategies, suitable for each goal and risk appetite:

• Techcom Bond Fund (TCBF) - focuses on corporate bonds, aiming for capital safety and stable profits.
• Techcom Equity Fund (TCEF) - focuses on long-term growth through potential stocks in the market.
• Flexible Balanced Fund (TCFF) - a combination of stocks and bonds, helping to balance risk and return.

In addition, investors can also access fund certificates from many reputable partners such as SSI, TTC, VNC or DC... to help expand their choices and build a more diverse investment portfolio.

Another big plus of fund certificates distributed by TCBS is daily liquidity, which makes it easy for investors to withdraw or reinvest at any time. The entire transaction process is carried out online via the modern security system of TCBS or Techcombank Mobile, providing maximum convenience.

Buy fund certificates simply on Techcombank digital bank.

For busy investors, fund certificates are a superior choice thanks to professional management, reducing the pressure of monitoring the market, still aiming for long-term profits. On the contrary, stocks are suitable for those who want to be proactive and accept high volatility.

If you need advice and support, please contact:

• Techcombank branch/transaction office system nationwide
• Customer Service Center (24/7 hotline): 1800 588822 (domestic) or +84 24 39446699 (international)
• Email: call_center@techcombank.com.vn

Source: https://baoquocte.vn/so-sanh-dau-tu-co-phieu-va-chung-chi-quy-lua-chon-nao-phu-hop-voi-nha-dau-tu-ban-ron-335706.html