1, according to its own risk tolerance, rationally allocate fund varieties, partial stock funds have high risks and high returns, and investment needs to be more cautious;
2. Understand the expenses of fund subscription, redemption and management, including free subscription and redemption of monetary funds;
3. Pay attention to fund performance, historical redemption and net growth rate. ;
4. Don't buy bonus funds unilaterally;
5. Pay attention to identify the fake and inferior products of the fund.
-Index funds
It is a fund product with specific indexes (such as Shanghai and Shenzhen 300 Index, CSI 500 Index, Nasdaq 100 Index, Nikkei 225 Index, etc.) as the target. ) as the underlying index, and take the constituent stocks of the index as the investment object, build a portfolio by buying all or part of the constituent stocks of the index, and track the performance of the underlying index. That is what we say, don't hang yourself from a tree, a basket of stocks.
For beginners, if you want to control risks, you may just want to try. You can choose our SSE 50, SSE 500 and CSI 300. Up, you can choose Growth Enterprise Market Index, Hong Kong Hang Seng Index, Nikkei 225 Index and Nasdaq 100 Index. In short, choosing these funds closely following the broader market is generally not very risky, depending on the economic trend of the whole country, so as long as the overall economy of the country is up, it will not lose money.
-Industrial Fund
Industry fund is a fund product managed by tracking an industry. For example, 5G, semiconductor, artificial intelligence and so on. Driven by the fire of new infrastructure last year and this year, they all belong to industry funds. During the epidemic, the medical sector also experienced a substantial increase. In addition, if you want to configure it, you must have consumption, food and beverage, alcohol, real estate, technology stocks, petrochemicals, new energy, biology and so on. The choice of industrial funds should be based on the current social development. If you choose a potential industry and insist on a fixed investment, you will definitely get some benefits.
-How to buy?
What is said here is that most people can do it in real time, that is, through various financial software operations. The simplest: Alipay. In no particular order: Straight Flush, Tian Tian Fund, Oriental Fortune.