15.2 记忆游戏——“投资术语匹配”

课程学习目标：

Group Investing Basics – Understand that mutual funds and ETFs let many investors pool money for instant diversification.
Fund Mechanics 看看如何 mutual funds are actively managed and priced once daily, ，尽管 ETFs trade like stocks all day and often track an index.
Pros & Cons - 确认 lower risk through diversification, professional management, and lower costs versus fees, less control, and taxable gains distributions.

Choosing the Right Fund – Learn to match fund types to risk tolerance and goals, use online research tools, and consider 税收优惠账户 for long-term growth.

主要课程信息：

Diversification Built-In – Both mutual funds and ETFs spread your money across many assets, reducing single-stock risk.
Different Features – Mutual funds = active management, one daily price; ETFs = intraday trading, lower fees.
Risk Style Matters - 挑选 bond funds for conservative, balanced funds for moderate, stock ETFs for aggressive investors.
Research & Start Early – Check performance, fees, holdings, use Roth IRAs or 529s when possible, and let time compound your returns.