基金是为特定目的而分配的资金池。设立基金可以用于许多不同的目的：市政府拨出资金建造新的市政中心，大学拨出资金来颁发奖学金，或者保险公司拨出资金来支付客户的索赔。
A fund is a pool of funds allocated for a specific purpose. The establishment of funds can be used for many different purposes: the municipal government allocates funds to build a new Civic Center, the university allocates funds to award scholarships, or the insurance company allocates funds to pay customers' claims.
要点基金是为特定目的而预留的资金池。
Key point funds are pools of funds reserved for specific purposes.
基金中的资金池通常进行投资和专业管理，以便为投资者带来回报。
The fund pool in a fund is typically invested and professionally managed to bring returns to investors.
一些常见的基金类型包括养老基金、保险基金、基金会和捐赠基金。
Some common types of funds include pension funds, insurance funds, foundations, and endowment funds.
个人和家庭也将资金用于个人财务事务，例如紧急资金和大学资金。
Individuals and families also use funds for personal financial affairs, such as emergency funds and university funds.
退休基金是作为雇员福利提供的共同基金。
Retirement funds are mutual funds provided as employee benefits.
基金如何运作个人、企业和政府都使用资金来预留资金。个人可以设立应急基金（也称为应急基金）来支付不可预见的费用，或者设立信托基金为特定人员留出资金。
How funds operate? Individuals, businesses, and governments all use funds to reserve funds. Individuals can establish emergency funds (also known as emergency funds) to cover unforeseen expenses, or establish trust funds to set aside funds for specific individuals.
个人和机构投资者也可以将资金投入不同类型的基金，以赚钱为目标。例子包括共同基金和对冲基金，前者从众多投资者那里收集资金，并将其投资于多元化的资产组合，后者投资高净值个人（HNWI）和机构的资产，旨在赚取超过-市场回报。政府使用特别收入基金等资金来支付特定的公共开支。
Individual and institutional investors can also invest their funds into different types of funds with the goal of making money. Examples include mutual funds and hedge funds, where the former collects funds from numerous investors and invests them in diversified asset portfolios, while the latter invests in assets of high net worth individuals (HNWIs) and institutions with the aim of earning over market returns. The government uses funds such as special income funds to pay for specific public expenses.
基金类型以下是个人创业常用的资金示例：紧急基金是个人创建的个人储蓄工具，用于应对经济困难时期，例如失业、长期患病或重大开支。经验法则是建立一个应急基金，其中至少包含三个月的净收入。
The following are examples of commonly used funds for personal entrepreneurship: emergency funds are personal savings tools created by individuals to cope with economic difficulties, such as unemployment, long-term illness, or major expenses. The Rule of thumb is to set up an emergency fund that includes at least three months of net income.
大学基金通常是家庭设立的税收优惠储蓄计划，用于为孩子的大学费用分配资金。
University funds are usually tax incentive savings plans established by families to allocate funds for children's college expenses.
信托基金是由设保人设立的法律安排，设保人指定受托人在一段时间内为所列受益人的利益管理有价值的资产，之后将全部或部分资金发放给受益人。
A trust fund is a legal arrangement established by the grantor, in which the grantor designates a trustee to manage valuable assets for the benefit of the listed beneficiaries for a period of time, and then distributes all or part of the funds to the beneficiaries.
退休基金是个人为退休储蓄的储蓄工具。退休人员从退休基金中获得每月收入或养老金。
A retirement fund is a savings tool for individuals to save for retirement. Retirees receive monthly income or pension from retirement funds.
在投资领域，某些类型的基金包括：共同基金是由职业经理人管理的投资基金，他们将个人投资者的资金分配到股票、债券和/或其他资产。
In the investment field, certain types of funds include mutual funds, which are investment funds managed by professional managers who allocate individual investors' funds to stocks, bonds, and/or other assets.
货币市场基金是高流动性的共同基金，购买后通过短期有息证券（例如国库券和商业票据）为投资者赚取利息。
Money market funds are highly liquid mutual funds that earn interest for investors through short-term interest bearing securities (such as treasury bills and Commercial paper) after purchase.
交易所交易基金(ETF) 与共同基金类似，但在公共交易所交易（类似于股票）。
Exchange traded funds (ETFs) are similar to mutual funds, but are traded on public exchanges (similar to stocks).
对冲基金是高净值个人或机构的投资工具，旨在通过结合卖空、衍生品和杠杆等高风险策略来提高投资者集合资金的回报。
Hedge funds are investment vehicles for high net worth individuals or institutions, aimed at increasing the return on investors' pooled funds by combining high-risk strategies such as short selling, derivatives, and leverage.
政府债券基金适合希望通过国债（例如国债）或机构发行的债务（例如房利美发行的证券）进行低风险投资的投资者。这两种选择都得到了美国政府的支持。
The government Bond fund is suitable for investors who want to make low-risk investments through treasury bond (such as treasury bond) or debt issued by institutions (such as securities issued by Fannie Mae). Both options have received support from the US government.
政府还设立了出于各种原因进行分配的资金。一些政府资金包括：偿债资金用于偿还政府债务。
The government has also established funds for distribution for various reasons. Some governments
资本项目基金资源用于为一个国家的资本项目提供资金，例如购买、建造或翻新设备、建筑物和其他资本资产。
Funds include: debt repayment funds used to repay government debts.
永久基金是政府不得兑现或支出的投资和其他资源；然而，政府通常有权将这些投资产生的任何收入用于政府的适当职能。
Capital project fund resources are used to provide funding for a country's capital projects, such as purchasing, constructing, or renovating equipment, buildings, and other capital assets.
如何设立基金？
Permanent funds are investments and other resources that the government cannot cash in or spend; However, the government usually has the right to use any income generated from these investments for appropriate government functions.
您想要启动什么类型的基金取决于您启动的方式。如果是应急基金，启动应急基金的一个简单方法是每周或每月在一个单独的银行账户中留出一小部分钱。如果您有兴趣设立投资基金，情况会更加复杂。您首先需要拥有专业背景，筹集资金以启动基金的基础知识，例如合并基金和任何交易设备，然后您需要决定投资策略，然后吸引愿意将资金投资到您的基金的投资者。
How to establish a fund?
基金的目的是什么？
The type of fund you want to start depends on the way you start it. If it is an emergency fund, a simple way to activate the emergency fund is to set aside a small amount of money in a separate bank account every week or month. If you are interested in setting up an investment fund, the situation will be even more complex. You first need to have a professional background, raise funds to start the basic knowledge of the fund, such as merging funds and any trading equipment, and then you need to decide on investment strategies to attract investors willing to invest their funds in your fund.
基金的目的是为特定需要预留一定数额的资金。应急基金供个人和家庭在紧急情况下使用。投资基金被投资者用来汇集资金并产生回报。大学基金通常由父母设立，为孩子未来的大学教育提供资金。
What is the purpose of the fund?
什么是基金的例子？
The purpose of a fund is to reserve a certain amount of funds for specific needs. The emergency fund is used by individuals and families in emergency situations. Investment funds are used by investors to pool funds and generate returns. University funds are usually established by parents to provide funding for their children's future university education.
基金的一个例子是共同基金。共同基金接受投资者的资金，并用这些资金投资于各种资产。共同基金有管理基金的经理，他们向投资者收取费用。投资者将资金分配给共同基金，希望增加自己的财富。
What is an example of a fund?
底线基金是出于特定原因而创建的资金池。有不同类型的基金用于不同的目的。紧急基金是由个人和家庭设立的，用于紧急开支，例如医疗费用或在有人失业时支付租金和食物。
An example of a fund is a mutual fund. Mutual funds receive funds from investors and use these funds to invest in various assets. Mutual funds have managers who manage the funds and charge fees to investors. Investors allocate funds to mutual funds in the hope of increasing their wealth.
投资基金是一个实体，旨在汇集各种投资者的资金，其目标是将这些资金投资到各种资产中，以获得投资资本的回报。个人、政府、家庭和投资者都将资金用于不同的目的，但基本目标仍然相同：为特定需求预留一定数量的资金。
Bottom line funds are fund pools created for specific reasons. There are different types of funds used for different purposes. Emergency funds are established by individuals and families for emergency expenses, such as medical expenses or paying rent and food in the event of unemployment.
