Funds have long been another choice for people to invest and manage their finances. Unlike buying stocks and futures directly, investors actually buy professional management services from fund managers. Although the diversification of fund investment helps to reduce the risk of individual investment, for beginners, the fund does not mean that the risk can be ignored. Here are five things to know.

First, there are many types of funds, and each fund has its own characteristics and suitable investors. You can choose different types of funds according to your risk tolerance, such as stock funds, bond funds, hybrid funds and so on. Specifically, beginners can start with partial stock funds, because partial stock funds have certain investment risks, but they can also usher in higher returns; However, funds with partial debts are relatively safe.

Second, we need to make investment plans and schemes according to our own time and economic conditions. Whether it is a stock fund or a bond fund, it takes time to accumulate to get a return. At the same time, for the management fee and redemption fee in the fund, we need to consider whether our economic conditions are met.

Thirdly, the choice of fund brokers is more important, not only because of the different comprehensive service capabilities of brokers, but also because of the differences in cooperation methods between different brokers and fund companies, so the seller's handling fee is specially adjusted. When choosing a broker, we should not only pay attention to his service quality, but also pay attention to whether he is a self-operated broker or an authorized sales broker and whether he is a platform broker.

Fourth, we should clearly understand the investment structure and dividends of the fund, because the investment structure and dividends of the fund will directly affect the income of the fund. When buying a fund, investors should focus on the investment objectives, fund managers, fund scale and dividend distribution methods of the fund.

Fifth, we should diversify our investments and don't put all our funds in the same fund. Diversification of investment helps to reduce investment risks and increase the possibility of return on capital profits.

To sum up, for beginners to buy funds, they need to pay attention to the types of funds, make their own investment plans and schemes, choose brokers, understand the investment structure and dividends of funds, diversify investments and other matters, and hope these points can bring a lot of help to beginners.