Step 1: Select a securities account.
First of all, Xiaobai needs to choose a securities account for the first time. In the securities market, securities companies are the only authorized institutions to sell index funds. Therefore, Xiaobai needs to choose a reliable securities company to open a securities account. At the same time, Xiao Bai should also pay attention to the handling fees and commissions of securities companies.
Step 2: Choose an index fund.
When choosing an index fund, Xiao Bai needs to pay attention to the following points:
1. Fund size: The larger the fund size, it usually means that the fund manager is more capable and experienced.
2. Rate: The lower the rate, the higher the investor's income.
3. Index tracking error: The smaller the index tracking error, the better the investment performance of the fund.
4. Fund manager: The experience and ability of the fund manager have a great influence on the performance of the fund.
5. Historical performance: Historical performance is an important indicator for evaluating funds.
Based on the above points, Xiaobai can choose some index funds with large scale, low rate, small tracking error, experienced managers and good historical performance.
Step 3: Fixed investment plan
Fixed investment plan refers to Xiaobai's regular purchase of index funds every month or quarter. When setting a fixed investment plan, Xiaobai needs to consider the following points:
1. Investment amount: Xiaobai's monthly or quarterly investment amount.
2. Fixed investment cycle: Is the period of small white fixed investment monthly or quarterly?
3. Date of fixed investment: What is the date of fixed investment of Xiaobai every month or quarter?
4. Fixed investment time: whether Xiaobai will make a fixed investment at the opening time or the closing time.
The advantage of the fixed investment plan is that it can help Xiaobai make a good capital plan and avoid the impact of short-term market fluctuations on himself.
Step 4: Place an order to buy.
After determining the fixed investment plan, Xiaobai can place an order to purchase index funds. There are two ways to place an order to buy an index fund:
1. Online trading: Xiaobai can purchase through the online trading platform of the securities company.
2. Telephone transaction: Xiaobai can also buy from the customer service staff of the securities company by telephone.
When placing an order, Xiaobai needs to pay attention to the following points:
1. Trading time: Xiaobai needs to place an order during the opening hours of the trading market.
2. Transaction price: Xiaobai needs to pay attention to the current fund net value to determine the buying price.
3. Order quantity: Xiao Bai needs to confirm the number of funds he has purchased.
4. Fees: Xiaobai needs to pay attention to transaction fees and fund management fees.
Summary:
Fixed investment of index funds is a very good investment method. For Xiaobai's first investment in an index fund, he needs to choose a reliable securities company to open a securities account, choose an index fund with large scale, low rate, small tracking error, experienced managers and good historical performance, make a fixed investment plan, and finally place an order for purchase. In this way, Xiaobai can hold it for a long time, spread risks and make profits.