As the saying goes, you don't manage money, money doesn't care about you. Buying a good fund can help us get extra income. If we don't know about it, we can buy a fund rashly, and it's easy to lose money. What is a fund? There are three kinds of funds. One is a stock fund and the other is a bond fund. If both of them are mixed fund. To buy a fund is to give money to fund companies, and then let their professional people buy stocks or bonds, which has a higher success rate than buying funds or stocks by themselves, and of course, they have to pay more labor fees.
First of all, as long as it's investment, there will be risks. It's just the difference between high risk and low risk. Many people think that a fund can make a steady profit without any loss. In fact, it's not. If they think like this, they will have gone to a loss. Fund companies are not omnipotent either. Among them, stock fund is the most risky, while bond fund is the least risky. Second, the simplest way to invest is the fixed investment fund, which has low risk, but the disadvantage is that the income is relatively slow, and it needs long-term accumulation to see good results, at least for more than one year. Now there are many fixed investment projects in Alipay, we can focus on the stock and mixed funds, the monetary fund will not be considered, the low yield is not as good as not.
Third, determine their ability to bear risks. If they have strong ability to bear risks, they can choose equity funds, if they have low ability to bear risks, they can buy bond funds, and people with ordinary ability to bear risks can choose hybrid funds. We also need to determine our own investment period, try to be long-term, do not transfer in the short term, so as to avoid no gains or even losses.
The above is about the method that novice buys fund, no matter what investment has risk, everybody must be cautious.