The fund does not guarantee the minimum income or the minimum loss, that is to say, the fund does not make any commitment to the income.
To put it simply, a fund takes investors' money to invest in stocks, bonds, futures, gold, currency and so on. When the money is earned, it will be distributed to investors, and of course it will also be borne by investors. The fund manager is only responsible for helping investors invest and charging a certain management fee, and does not bear investment risks or enjoy investment income.
Second, a novice can buy, sell or make a fixed investment by opening an account with an ID card in a securities company or bank. The minimum purchase price of the funds traded on the floor is 100 shares, such as 163503, which is currently closed in 0.5 yuan. It is enough for 60 yuan to buy 100 shares, and the minimum OTC investment is 100-300 yuan. Different banks will have different standards and buy on time every month. The handling fee of 0.3% is much lower than the transaction cost of the bank of about 2%, and the saved cost 1.4% becomes your profit. At present, there are three main channels for buying and selling open-end funds, and the cheapest is floor trading:
Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds, and more than 80 kinds can be listed and traded.
1。 Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
2。 Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
3。 Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged.
Investors should have their own opinions when choosing funds, and choose investment products that suit them according to their risk tolerance. Any best fund recommendation is the most beautiful lie. If your risk tolerance is high, you can choose index funds such as Harvest 300 and South 500, so as to maximize market returns. If your risk tolerance is average, you can choose Huaxia Bonus, Harvest Theme, E Fund Value Growth, Guo Futian Rui and other hybrid funds. You can also get better market returns. If you don't have the risk tolerance, you can buy some government bonds or 16 1065438 bond funds such as Guo Fu Tianfeng, Dongfang Steady and ICBC Tian Li, and you can get more than 6% market income every year.
Three, buy a fund to have a good income must pay attention to:
1, choose a fund company with good performance, and choose a good fund variety in this good fund company. For example, Huaxia, Yifangda, Jiashi and Guo Fu fund companies in China are all top fund companies, and their products generally outperform the market. Now Huaxia Bonus, E Fund Value Growth, Harvest Theme, Harvest 300 and Guo Fu Tianrui are all good fixed investment varieties. Of course, the safest deposit is a high discount. 184722,500011At present, the discount exceeds 10%, which is the first choice for steady investment and long-term investment.
2. Choose the buying opportunity. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money. Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, there is little risk in buying funds near the 3 100 point of Shanghai Stock Exchange, and the area between 4000 and 5000 points is a high-risk area, so that's it. Redemption at any time is right.