Entering the investment market is to earn income. As for what products to invest in, users need to judge directly. Stocks, funds and futures can all be invested, and users can choose suitable products according to their own stress resistance. Among many products, funds are more suitable for novice investment. The following are the precautions for fund operation! I hope you like it.

What are the precautions for fund operation?

Fund selection and investment strategy: choose the fund type that suits your risk tolerance and investment objectives, such as stock fund, bond fund or hybrid fund. Understand the investment strategy, risk-return characteristics and performance of the fund, and make choices according to your own investment objectives.

Review and adjust regularly: review the performance of the portfolio regularly and make adjustments according to market conditions and personal goals. Rebalance asset allocation, adjust investment share or choose other funds as needed.

Control cost: understand the cost structure of the fund, including management fee, custody fee and sales service fee. Choose funds with reasonable rates to minimize investment costs.

Continuous learning and research: understand the latest trends and trends of the fund market, further learn the relevant knowledge of funds, and improve their investment decision-making ability and understanding ability.

Avoid excessive trading: avoid day trading operation, blindly follow market sentiment and short-term speculation. Take a long-term investment mentality and stick to the investment strategy.

What are the channels for fund purchase?

Direct selling by fund companies: You can purchase directly through the fund company official website, the mobile phone application or the branch of the fund company.

Bank counter: funds can be purchased through the bank's business outlets, and some banks also provide online banking platforms for purchase.

Securities companies: Funds can be purchased through stock accounts or fund accounts of securities companies.

Online fund sales platforms: Some online fund sales platforms allow investors to purchase funds directly, such as third-party fund sales platforms or online brokerage platforms.

Insurance companies: Some large insurance companies also provide fund sales services, and policyholders can purchase funds through insurance sales channels.

When do you start to calculate the income after buying a fund?

Realize the fund T 1 transaction. Therefore, the fund is subscribed before the working day 15, and the income is calculated on the second working day. If you buy a fund after 5 o'clock, you will get a profit on the third working day. However, it should be noted that the confirmation of QDII fund T2 may be delayed by one day. There are many types of funds, and the income time of different types of funds is different.

In case of purchasing the Fund on holidays, the Fund shall be purchased before the first working day after holidays 15:00, and the income shall be calculated from the second working day after holidays. This means that if you confirm your share on Friday, you have to wait until Monday to see the benefits. Fund income is affected by the fluctuation of fund net value. Generally, it can only be updated after the liquidation of the fund's net worth stock.

In the whole investment process, it is important to choose a good fund, hold it for a long time and disperse short-term fluctuations, so that the probability of making money will be high. Choosing a fund is the same as choosing a stock. What matters is whether the investors buy a good fund, as well as the buying time, investment period and operation method.

In the fund market, an excellent fund is a sustained and stable performance. Investors can judge the trend of the fund's net value on the day according to the trend of the target or the valuation trend. After the fund is selected, it is necessary to set a reasonable stop loss point and take profit point.

How is the income of the fund generally calculated?

The calculation method of fund income depends on the type of fund and investment strategy. The following are common methods for calculating fund returns:

Net asset value (NAV): The growth rate of NAV is the most commonly used method to calculate fund returns. Used to evaluate the return rate of open-end funds. The formula for calculating the net growth rate is as follows:

Net growth rate = (net at the end of the period-net at the beginning)/net at the beginning.

TotalReturn: The cumulative return takes into account the investment return, dividends and reinvestment income of the fund. It is an index to measure the comprehensive performance of the fund over a period of time, including net increase and reinvestment dividend. The cumulative rate of return is calculated as follows:

Cumulative yield = (net at the end of the period+dividend reinvestment-net at the beginning)/net at the beginning.

AnnualizedReturn: Annualized return is used to measure the long-term income performance of the fund. It converts the annual rate of return of funds into annualized rate of return, so as to better compare the performance of different funds. The calculation formula of annualized rate of return is as follows:

Annualized rate of return =( 1+ total rate of return in sales period) (1/ fund operation period)-1.

It should be noted that the above calculation methods are just some commonly used methods, and the specific calculation methods will be different according to different fund companies and fund types. When investing in a fund, investors should carefully read the prospectus and related documents of the fund to understand the specific calculation formula and cost composition of the fund. In addition, investors can consult fund companies or financial advisors to obtain more accurate information.

The fund began to pay off only a few days after it was bought.

Purchase the fund before working day 15, and calculate the income on the second working day. Apply for funds after 15, and you will get benefits on the third working day. Fund trading time refers to the time period during which open-end funds accept subscription, conversion, redemption or other transactions. Generally speaking, every working day is closed at 9:30- 15:00 am, and11:30-13: 00 am.

Funds can be divided into broad sense and narrow sense. Broadly speaking, they refer to a certain amount of funds set up for a certain purpose, such as trust and investment funds, provident funds, retirement funds and so on. In a narrow sense, they refer to funds with specific purposes and uses. Usually, funds mainly refer to securities investment funds. The income of securities investment funds comes from the future, and the performance of the income is inseparable from the performance of the investment target market, which has certain risks. According to whether fund units can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.