I want to buy a fund but I don’t know anything about it. I don’t even know where to buy a fund. This is a problem that many people encounter when buying a fund for the first time. Here is a summary of the knowledge points that you must know when buying a fund.
And tell you how to buy good funds.
What are the knowledge points that you must understand when buying a fund? You must understand these when buying a fund: what a fund is, how a fund makes money, what types of funds are divided into, fund buying and selling rules, fund transaction fees, how to choose a good fund, etc.
, only after understanding these knowledge points can you understand funds, and only by buying funds can you reduce the probability of losses.
1. What is a fund? Broadly speaking, it refers to a certain amount of funds established for a certain purpose.
It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds.
A narrow concept that refers to funds with specific purposes and uses.
2. How do funds make money? The money is put into the fund company, and the fund manager manages the investment. Different types of funds have different main investment objects. For example, stock funds mainly invest in stocks. If the objects invested by the fund manager have profits, you will also
With the income, the fund company charges management fees.
3. What types of funds are divided according to the trading method? Funds can be divided into open-end and closed-end funds.
According to different investment objects, funds can also be divided into currency, bond, stock and hybrid funds.
The risks and returns of these four funds increase in sequence.
4. Fund buying and selling rules The trading time of the fund is the trading day of the stock (T day), with 15:00 as the boundary. Transaction applications submitted after 15:00 will be postponed to the next trading day.
There is no trading on weekends, except for currency funds.
5. The handling fees for fund transactions are the most expensive over the counter at banks, generally 1.5%; closed-end funds and LOF funds can be purchased on the stock trading account of a securities company, and commissions are charged for on-site purchases, which are charged according to stocks.
No stamp duty is charged; the commission is generally 2% per thousand according to the regulations of your securities company. 6. How to choose a good fund Funds are not absolutely good or bad. Investors should choose the one that suits them. Stable investors are suitable for low-risk ones.
Radical investors can choose stock funds, while novice investors are suitable for old funds. Funds do not look at the price, but at the room for growth in net worth.