On the one hand, due to the fluctuation of stock index, the profit and loss change greatly.

On the other hand, it also depends on the trading level of fund managers. Managers who have experienced the conversion of bulls and bears can further investigate, because some managers are really unreliable!

No one can give you a promise to guarantee the return of the fixed investment of the fund. Fund investment itself is risky, and everything is unknown.

Even if we take past performance as a reference, some parameters change, which can only be used as a reference in the end. Steps to purchase funds

Funds can go to major banks, securities companies and fund companies to buy, usually buying and selling in banks.

Steps for banks to buy and sell funds

The first step is to handle the transaction card.

During trading hours (Monday to Friday, 9:30- 15:00), bring your ID card to the counter to handle the trading passbook and fund trading card (different banks have different requirements, CCB must require a special securities trading card, and ICBC and ABC universal bank cards are enough).

Step 2: Open a fund account.

Investors buying and selling open-end funds must first open a fund trading account and a TA account. To buy funds from several fund companies, you have to open several fund accounts accordingly, one for each fund company; One ID number can only open one fund account in one fund company (except those registered in China).

The third step is to buy a fund.

The process of investors buying fund shares during the raising period of open-end funds and before the establishment of funds is called subscription. Usually, the subscription price is the face value of the fund unit (1 yuan) plus certain sales expenses. To subscribe for a fund, an investor shall fill in the subscription application form at the fund sales point, pay the subscription fee, go through the relevant formalities at the registration authority and confirm the subscription.

After the establishment of the fund, the process of investors applying to the fund management company to purchase fund shares through the sales organization is called subscription. When investors buy funds, they usually fill in the application form and pay the subscription money. Once the amount is paid, the subscription application is valid. Note: the subscription fund adopts the principle of unknown price, that is, the transaction price is the net value of the fund after the close of the day.

The minimum amount of initial subscription/subscription is generally 1 1,000-5,000 yuan, which varies from company to company, and the subsequent subscription is generally more than 1 1,000 yuan.

Some funds can also handle regular quota business, that is, it is agreed to automatically transfer a certain amount from the account on a fixed date every month (optional) to purchase the agreed fund, and the monthly agreed deduction amount can be as low as 100-500, depending on the company.

The fourth step is to confirm the transaction.

After 2-3 working days, you can check the transaction confirmation at the online bank or the counter. If there are no accidents (computer failure, non-trading days, operational errors), you can close your position.

The fifth step is to sell the fund.

Contrary to buying funds, investors sell funds by selling their fund units to fund managers at a certain price and recovering cash. This process is called redemption. The redemption amount is calculated on the basis of the net asset value of the fund unit on that day. Investors should generally fill in the redemption application form at the fund sales point and go through the redemption procedures.

In addition, you can open online banking in the bank and use it to buy and sell (this is different from buying from the fund company's website. Online banking is a consignment method, only online trading is a direct selling method, and the fund company's website is a direct selling method with the lowest rate but relatively troublesome procedures).