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What does the concept of investment and financial management mean? What kind of investment philosophy should individual investors have? Comment on it according to your own practice.
Investment and financial management is to accomplish some established life goals through financial management. The first step in financial management is to learn to save money. Live within our means, buy a little, and the fund will invest. The fund is an expert in helping you manage your money. The minimum starting capital of the fund is 65,438+0,000 yuan, fixed in 200 yuan. Go to a bank or fund company to buy funds. Banks can act as agents for many fund companies, and specially open accounts to find bank financial counters. At present, some securities companies also have agents to trade funds. After the bank opens online banking, there is a general discount for online shopping.

In addition, we should make a self-assessment to see whether we want high risk and high return or a steady return on capital preservation. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.

Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method of the fund's "fixed investment", the fixed investment of the fund, also known as "small investment plan" or "lazy wealth management", is similar to long-term savings, which can spread the investment cost equally and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.