Sihai network

Do you pay attention to the three references of how novice buy fund?

In recent years, fund financing is very popular. In the face of a variety of funds, how should novices choose? If you want to buy a fund, don't follow the trend blindly. First of all, we need to confirm our risk tolerance and financial management objectives, and then select the type of fund to invest. Next, the editor will teach novices how to buy funds from three aspects.

1. Product type selection: the early stage is dominated by low-risk products such as monetary fund, bond fund and capital guarantee fund. The main reason for this choice is that it is more appropriate to start from a low-risk product when the early risk tolerance is not clear. Through the investment of Monetary Fund, bond fund, capital guarantee fund and other products, investors will not have a large loss, but also can better understand the types of fund products, understand the fund mode and investment direction. Investors are gradually familiar with all kinds of fund products, upgrade from "novice" to "veteran", and then gradually expand to index fund, hybrid fund and stock fund products.

2. Trading experience: in the early stage of product trading, there are basic functions such as how to open an account, how to purchase, how to redeem, etc., and basic processes such as how to open an account, how to purchase a fund, how to query assets, how to query earnings, and how to sell. As an entry-level novice, it is suggested to start with internet account opening and trading, and you can choose an independent sales agency (such as Tiantian fund, Haomai, Jubao, etc.) to experience the function of fund trading. After upgrading from "novice" to "veteran", we will experience all kinds of innovative functions such as conversion, booking, reservation, t + 1 redemption, etc. Experience all kinds of functions on the premise of 'choose the right product', because functions can only optimize the revenue, while 'products determine the revenue'.

Third, learning horizontal comparison. Novices must learn more about all kinds of fund product information, all kinds of sales agencies, and learn to compare horizontally. For example, the comparison of similar products, such as the same investment in gold products, with QDII, ETF, lof, different products have different characteristics. Only by comparing with each other, can we better choose the fund that suits us. For example, the comparison of various sales agencies shows that the main difference of functional experience is the difference of sales agencies. For example, some support T + 0 redemption, and some are just ordinary redemption. Some support rich function of fixed investment, while others only have common function. Through horizontal comparison, we can better understand the fund information, sales channels and functional experience. I believe it will be very helpful for the growth of novices.

The above is what we should refer to when buying fund for novice. There are risks in investment. We must do according to our own situation. Don't be greedy. Grasp the degree well!