Can I buy funds with it? Funds are said to be a good investment tool for those of us who have newly graduated from college and have found stable work. My friend Shi invested some of her half-year savings (the exact number remains private) in several funds, but her personal signature on QQ, an instant messaging device, showed her anger toward those funds, which had not been gaining but declining in net value. Can I follow her and challenge her wisdom by making a profit in funds? Perhaps not- she is a much more clever and business-minded girl than I am.