Beginners buying funds should establish good investment habits and scientific investment ideas at the beginning of investment. The following are the key points, methods and skills that Bian Xiao novices should pay attention to when buying funds, hoping to help you!

Points that novices should pay attention to when buying funds.

1. Choose the right fund: If you have been exposed to stocks before and have a high risk tolerance and can withstand the fluctuations of stock funds, then you can consider hybrid funds, stock funds and index funds. If you have only bought wealth management before and have not been exposed to equity investment, it is more appropriate to choose money funds, wealth management funds and bond funds for the first time.

2. Choose the old and don't choose the new: Although the subscription fee of the new fund is lower than that of the old fund, it doesn't save much money on the platform of discounted subscription fee. On the contrary, it takes time for new funds to open positions, and there is no historical performance to refer to. The operation of the fund is completely unclear, unlike the old fund, which has a formed investment style and a historical performance with reference value. Whether a fund is good or not, the old fund is easy to judge, and the new fund is not clear at all.

3. Adhere to long-term investment: The difference between fund investment and stocks is that it is a long-term investment, especially the fixed investment of funds. The fixed investment of the fund is to use time to smooth risks and reduce the cost of holding positions. This investment method is more suitable for beginners. The fluctuation of funds is much smaller than that of stocks. If you can't insist on long-term investment, the investment fund can't see any obvious effect, so there is no need to waste time here.

Novice fund purchase method

1. Select the fund type. Different investors have different risk preferences, and novices tend to be conservative or balanced. It is best to choose a fund that matches their risk tolerance. Conservative investors are more suitable to invest in money funds, while cautious investors can choose bond funds.

2. Choose the fund investment method. Fund investment is divided into one-time purchase and fixed investment. From the perspective of income, fixed investment and one-time purchase have no absolute advantage, but from the perspective of investment risk, fixed investment is better than one-time purchase, but novices are not recommended to buy stock funds or hybrid funds.

3. Choose a new fund or an old fund. Novices often have a soft spot for new funds, thinking that buying new funds is just like playing new shares, which will inevitably rise. In fact, the replacement cost of the new fund is lower than that of the old fund, but the new fund has almost no past performance to refer to, so it is difficult to judge its future development trend.

Introduction and skills of personal fund investment

1. reading materials: fund investment must be fully prepared. For example, before starting a fund, you must read all kinds of information about fund investment and get to know the market situation, market trends and national policies through various channels. Only by clearly understanding the market can we make better investments.

2. Evaluate yourself: For fund investment, you should also evaluate your risk ability, your situation, your risk tolerance and how many funds you have. Before preparing to start, you must do a good job of evaluating your own risks, see which product you are suitable for, and then choose the right product according to the actual situation.

3. Understand the risks: When choosing an investment fund, we must first understand the risks of the pre-investment fund, whether the fund is low-risk, medium-low risk or high-risk. Only by clearly understanding these risk information can we make a purchase choice according to our actual situation.

4. Adhere to the long-term policy: When choosing funds, we should also pay attention to the long-term policy and buy funds. The best way is to insist on long-term investment, because only long-term investment can maximize the income, and short-term investment is generally difficult to maximize the income.

5. Choose multiple types: If you are going to buy a fund, you must choose several types of funds according to your risk ability and choose several types of funds with different risks. Putting investment funds in different baskets can spread risks and realize capital gains.

6. Pay attention to the income: If you want to buy a fund, I suggest you pay attention to the income of the fund before you start. The price of the fund is not your biggest concern. As an investor, you should know more about the fund's rate of return. A fund with a stable rate of return may be a fund with a better selling point or the focus of your investment.