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Fund account opening method
First, open the fund company's website. Fund investors can open the fund account of the company on the corresponding fund company's website according to the fund they want to buy. The advantage of opening a fund account on the website of a fund company is that you can open a fund account without leaving home, but there are also many disadvantages. Because each fund company is independent, you can only buy the fund of this fund company when you open a fund account. If you want to buy other funds in the market, you need to open a fund account on the websites of other fund companies.
Second, to open a fund account in a bank, fund investors can go to the bank counter to handle the fund account, but the disadvantage is that the procedures are relatively complicated and the number of fund companies that can open an account is relatively limited. Because of some small banks, the funds for consignment are relatively small.
Third, securities companies open fund accounts, and at the same time open the fund account authority when securities companies open stock accounts, so that all fund company accounts can be opened directly in the trading system in the future.
Automatic investment plan
Fund regular investment is a way of fund subscription business. Investors can submit an application through the fund's sales organization and agree on the time, amount and method of each deduction. The sales organization will automatically complete the deduction and fund subscription in the fund account designated by the investor on the agreed deduction date.
Characteristics of fixed investment of funds
1, average cost, risk diversification
It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.
2. Suitable for long-term investment
Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.