In fact, there are many places to pay attention to. Today, we will focus on how to buy funds from the perspective of novices.

1. Pay attention to the style of the fund.

What is discussed here is, where did the first people who entered the fund market come from? I have never been exposed to equity investment before, but I came from the stock and futures markets.

Are two different investment styles. For beginners, the first point of regression lies in their risk tolerance and the choice of investment targets.

Choosing the right fund should be the first concern, which is very clear.

For example, friends from stocks can basically withstand the fluctuations of partial stock funds. Friends who have never been exposed to equity investment in the past may be more suitable.

Be sure to measure your investment ability and upper limit, or you will suffer a big loss.

2. Buy a fund regardless of the price.

The so-called buying a fund does not look at the price. In fact, when buying a fund, the net value does not contribute much to the growth rate. Eventually, your income will drop to the growth of the fund.

When they first came into contact with the fund, their sensitivity to price was more intuitive. After all, there is a cost. People subconsciously prefer to buy cheap funds in 0.5 yuan, 3 yuan and 0.5 yuan.

But in fact, the lower the price, the more obvious the decline of this fund may be, while the net value keeps rising, indicating that this fund has been worth so much money with the increase of the intrinsic value of the sample in the past few years.

We can make an analogy with fruits, assuming litchi 15 yuan/kg, banana 3 yuan/kg.

For friends who want to eat fruit, but can't tell the difference between the two fruits, they may think bananas are cheap, so buy this one. In fact, litchi is expensive because of the relationship between supply and demand, and the intrinsic value of the two fruits is different.

This is the same as our investment fund. If you don't know the investment style and value of the two funds, it may be wrong to choose directly.

Step 3 choose the old one instead of the new one

It is a normal psychological state to like the new and hate the old. If you invest in funds, it is not recommended at all.

The reason why the old fund is more worth buying is because although the new fund has advantages such as favorable price, everyone is not clear about the actual situation of opening positions and operation, and there is no way to judge what it is.

The volatility of new funds is generally higher than that of old funds. It is very unnecessary for beginners to waste energy and time to follow the growth of funds.

Of course, if the fund investment style is clear and there is a certain closed period, this can still be used for reference.

For example, some funds with a closed period of about 3 years have set a closed period in order to avoid the fluctuation caused by redemption. At the same time, such funds mainly focus on value investment. In this case, you can invest some money.

The most important thing is to insist on long-term investment, and don't talk about heroes by short-term ups and downs.

Different from stocks, fund investment is more of a long-term investment, especially through fixed investment, which will smooth risks to a certain extent, reduce costs and be more easily accepted by novices.

The short-term fluctuation of funds is much smaller than that of stocks. If you can't insist on investing for a long time, there is really no need to waste time here.

After all, fixed investment is the normal state of fund investment, and the period of fixed investment is generally in years.

Finally, how much is suitable for beginners?

There are no restrictions here. You can set the amount according to the share. If there are more equity funds, they can be set higher, and if there are fewer equity funds, they can be set lower.

My personal suggestion is that novices should first use a small amount of money to test the water, understand the risks and ups and downs of the market, and then gradually increase their share after they are familiar with it.

In a word, risk should be the first consideration, otherwise, like thunder tide, risk is generally ignored and investors will eventually be hurt.