The first step: seeing clearly the investment target The first point in choosing an index fund is to make clear the investment target and see clearly the target tracked by the index fund. Because the investment goal of index funds is to obtain the return rate of the underlying index, it is the key to choose a suitable index to invest in index funds. The index itself is not good or bad, the most important thing is to adapt to its own asset allocation goals.

Step 2: Compare fund interest rates. Investors should carefully consider the rate of each fund company after determining the type of index fund they invest in. The rates here include fund management fees, custody fees and subscription redemption fees. Although the first two items do not require investors to pay out of their own pockets like the redemption fee, they should not be underestimated as expenses included in the fund assets. Generally speaking, ETF and LOF index funds have low rates, so investors should read the fund contract and prospectus carefully before choosing index funds.

Step 3: After completing the account opening procedures and choosing the index fund to buy, where can I buy it? Generally speaking, you can buy index funds through the following channels: 1, go directly to the bank counter or log in to online banking to buy;

2. Through securities company transactions, fund transactions can be entrusted by telephone at the brokerage office, and brokerage fees are cheaper than banks;

3. Buying and selling funds through the online trading system of the third-party sales platform will generally enjoy certain rate concessions;

4. Trading on the fund company's website can be entrusted for 24 hours, unlike buying in a bank, which is limited by trading time; 5. In addition, if it is an ETF or LOF index fund, it can be traded in the secondary market, and the operation method is similar to that of stocks, making trading more convenient.