When the novice just came into contact with the fund, he didn't know much about the fund, so he needed to find some information on the internet to understand it. So how should a novice buy a fund? Today, Bian Xiao has compiled some knowledge for beginners to buy funds. Let's have a look!

Three suggestions for beginners to buy funds

1. Buy a fund type that suits you.

Funds can be divided into money funds, bond funds, index funds, mixed funds and stock funds. The risks and benefits of different funds will be different. Generally speaking, money funds and pure debt funds have the least risk, because there is no investment in the stock market, while funds that invest in the stock market are relatively risky.

When buying a fund, you should know your risk tolerance after knowing the types of funds. If you can't take great risks, give priority to money funds and pure debt funds. If you can bear certain risks, you can choose high-risk types, such as index funds, hybrid funds and equity funds. But considering that you are a novice, don't invest too much money for the first time, you can use a small amount of money to accumulate first.

2. For high-risk fund types, you can choose investment funds.

Fixed fund investment is a lazy investment with a fixed amount. If the market is at a low level, fixed investment can dilute the cost and wait for the profit to rise in the later period, but we should pay attention to choosing a good fund for fixed investment.

3. Choose a good fund manager

Investment fund is a fund manager invested by investors, so it is very important to choose a good fund manager. When choosing a fund manager, try to choose a mature fund manager with more than 4 years' experience and an excellent and steady fund manager with rich experience. In addition, we can also see how the fund manager managed the past funds, whether the rate of return is high or not and so on.

What software is used to buy funds?

1, Alipay

Alipay can buy funds, and it is very convenient for Alipay to buy funds. Just open Alipay, search for funds on Alipay's homepage, and directly click on the fund page to purchase funds. You don't need to download other software to buy funds in Alipay, which saves memory.

Alipay's fund types are relatively complete, and you can also get a discount when buying funds in Alipay, which is very affordable. The threshold for Alipay to purchase funds is also very low. 10 yuan can buy some funds, less than a cup of milk tea. However, it should be noted that funds are risky investments and should be cautious when purchasing.

2. Wechat

Wechat believes that most mobile phones will download it. In addition to contacting family and friends, WeChat can also be used to buy fund financing, payment, consumption and other functions. It is also very convenient to buy funds on WeChat, so you don't need to download other software, which saves the memory of your mobile phone. You can also keep an eye on the funds and see their trends at any time.

3. Banking applications

At present, most people like to keep their money in the bank. At present, most banks have their own corresponding apps. Investors can choose banks to manage funds according to their own conditions when purchasing funds. For example, if their bank card belongs to Bank of Communications, then download the Bank of Communications APP. If their bank belongs to China Construction Bank, download the China Construction Bank APP or something.

After downloading the bank APP, you have to register, log in, and then find the fund in the bank APP to buy.

Have you been cheated in buying foundation?

As long as it is a formal platform, then buying a fund will not be cheated, but you should know that the fund is a risky investment. If the decline of the fund is due to the bad market or the poor selection of the fund manager, then it is the problem of the fund itself, not the money of the fund being cheated.

When you buy a fund, you should have your own ideas and don't pursue shortcuts. If you buy it on an informal small website, you are more likely to be cheated. When purchasing funds, it is best to choose well-known platforms, such as Alipay, WeChat, bank APP, securities software and so on. These are all formal.

Secondly, don't buy blindly. Don't listen to anyone who says that you have made money. Just invest in the fund yourself. You must know more about the fund yourself and choose the fund after you know it.

When choosing a fund, try to choose a good fund manager, a mature fund manager with more than 4 years' experience, an excellent, steady and experienced fund manager, because a long time in an industry will always have more experience than a new fund manager.

In addition, try to choose a fund with good returns in the past, but it is worth noting that when choosing, try to avoid a particularly large increase in the past month or week, because the fund may be at a high level at this time, and the risk of buying and chasing up will be greater. You can choose funds with good returns in the past year and recent years.