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 – See how mutual funds are actively managed and priced once daily, while ETFs trade like stocks all day and often track an index.
- Pros & Cons – Identify 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 – Pick 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.
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