The first step is to handle the transaction card.
During trading hours (Monday to Friday, 9: 30- 15: 00), bring your ID card to the counter to handle the trading passbook and fund trading card (different banks have different requirements, CCB must require a special securities trading card, and ICBC and ABC universal bank cards are enough).
Step 2: Open a fund account.
Investors buying and selling open-end funds must first open a fund trading account and a TA account. To buy funds from several fund companies, you have to open several fund accounts accordingly, one for each fund company; One ID number can only open one fund account in one fund company (except those registered in China).
The third step is to buy a fund.
The process of investors buying fund shares during the raising period of open-end funds and before the establishment of funds is called subscription. Usually, the subscription price is the face value of the fund unit (1 yuan) plus certain sales expenses. To subscribe for a fund, an investor shall fill in the subscription application form at the fund sales point, pay the subscription fee, go through the relevant formalities at the registration authority and confirm the subscription.
After the establishment of the fund, the process of investors applying to the fund management company to purchase fund shares through the sales organization is called subscription. When investors buy funds, they usually fill in the application form and pay the subscription money. Once the amount is paid, the subscription application is valid. Note: the subscription fund adopts the principle of unknown price, that is, the transaction price is the net value of the fund after the close of the day.
The minimum amount of initial subscription/subscription is generally 1 1,000-5,000 yuan, which varies from company to company, and the subsequent subscription is generally more than 1 1,000 yuan.
The fourth step is to confirm the transaction.
After 2-3 working days, you can check the transaction confirmation on the online banking or the counter. If there are no accidents (computer failure, non-trading day, operation error), you can close the transaction.
Precautions:
1. Learn about securities investment funds. Fund refers to a kind of collective investment method which collects the funds of many investors through the sale of fund shares to form independent property, which is managed by fund custodians and fund managers, and shares benefits and bears risks in the form of portfolio. Its main function is to diversify investment, avoid individual stock risks and share investment results. Fund investors enjoy the benefits of securities investment funds according to their fund shares, and at the same time bear the risk of investment losses. Securities investment funds are different from bank deposits and bonds. Investors who invest in securities investment funds may get higher returns or lose their principal. Choosing different types of funds should bear different risks and get corresponding benefits. Generally speaking, the greater the possibility of gaining income, the greater the risk. According to different investment objects, China's funds are divided into stock funds, bond funds, hybrid funds and money market funds. As far as risk is concerned, equity funds have the highest risk, followed by hybrid funds, and bond funds and money market funds have the lowest risk.
2. Know your risk-taking ability. Investors must have a clear understanding of themselves and choose products that suit them according to their age and income, the risks they can bear and the expected returns. First of all, we should pay attention to the diversification of investment. We should rationally allocate assets in banks, insurance and capital markets, and don't put all our eggs in one basket. Secondly, we should pay attention to the matching of product selection with risk tolerance and financial management objectives. For young people, if their financial ability is acceptable and their family burden is light, they can choose stock funds; For middle-aged people, income is relatively stable, but family responsibilities are relatively heavy. When investing, we should adhere to the principle of prudence while considering the return on investment, diversify risks and try a variety of fund combinations; For the elderly, in order to be stable, safe and maintain value, we can choose monetary and bond funds, which are relatively safe products. Third, we should pay attention to choosing the products of excellent fund management companies. Not all big companies are good companies, and some small companies also have excellent performance. We should choose the products of fund management companies with stable product style, low shareholding concentration and turnover rate, high information transparency and emphasis on investor education. Fourth, we should pay attention to the timing of entering the market. Timing quota is a good investment strategy, which can reasonably control the buying cost. The decision to invest heavily in stock funds should avoid making decisions when the market is over-hyped.
3. Understand the securities market. The value of a fund depends on the value of its investment target. Therefore, it is very important to understand the value of the fund. Generally speaking, the value of a fund is determined by the fundamentals of its investment target. Different investment theories and schools have different methods to analyze and evaluate the fundamentals of listed companies, and the relatively recognized and simple index to measure the fundamentals of listed companies is their P/E ratio. P/E ratio refers to the ratio of price per share to earnings per share, which can be used to estimate the investment income and risk of a company's stock. In the long run, the higher the P/E ratio, the lower the investment value of the company; The lower the P/E ratio, the higher the investment value. Of course, to evaluate the fundamentals of listed companies, we should also consider many factors such as macroeconomic environment, industry development prospects, industry competitiveness of enterprises, discounted cash flow and future development strategies.
4. Understand fund management companies. The fund management company is the fundraiser of fund products and the manager of the fund. Its main responsibility is to be responsible for the investment operation of fund assets according to the agreement of the fund contract, and strive for the maximum investment income for fund investors on the basis of controllable risks. The income of fund management companies mainly comes from management fees based on asset size, which leads to the impulse to expand asset management scale in order to increase management fee income. Investors should be fully aware that the performance advertised by fund management companies often cannot represent future earnings, and keep a high degree of vigilance against those fund management companies that publicize unilaterally, do not fully reveal risks, and become misleading advertising.
5. Understand the dividend method. The default dividend method of the Fund is cash dividend, and investors can change the dividend method to dividend reinvestment at the bank. Dividend reinvestment means that when the fund pays the dividend in cash, the fund holder directly purchases the fund with the cash obtained from the dividend and turns the dividend into the holding fund unit.
Because I don't know your risk tendency, I will list a few for reference only. Pay attention to the risk and return of these funds from big to small.
Index types: Jiashi 300, SZSE 100ETF, SSE 50ETF.
Partial stock type: Guangfa Optimization, Shangtou @, Yifangda Strategy, Southern Excellence, and Bosera Theme.
Configuration type: double interest on investment, flexible configuration of Baokang and steady development.
Bond type: South Baoyuan