What kind of fund should a novice buy?
Novices are suitable for buying funds with relatively small risks, such as money funds and bond funds. If you buy a bond fund, a pure debt fund is more secure. Monetary funds invest in bank time deposits, large deposit certificates, short-term bank bills, etc. There is basically no risk, while pure debt funds invest in government bonds and government bonds. And their security is also very high.
Beginners need to do this to buy funds:
1 Set your own investment target and investment period, evaluate your risk tolerance, determine whether you are a conservative, steady or enterprising investor, do a good job in risk assessment, and then prepare some spare money;
2 understand the fund and know yourself. If you don't know anything about funds, how can you make money by buying funds? Learn the basic knowledge of the fund, understand how the fund makes money, where the risk of the fund comes from, and so on;
Learning to choose a fund is to buy those good funds and carefully and comprehensively evaluate each fund's indicators, such as the income performance over the years, the ability and quality of fund managers and researchers, the risk control means and investment style of fund management companies, etc. And choose excellent fund varieties suitable for their own risk preferences to invest;
Track the funds you hold, understand the general direction of the fund market, adjust your financial asset portfolio according to the performance of the funds you hold, your financial situation and income target, learn to take profit and stop loss, learn to sell bad ones in time, and buy good ones instead of buying them for three to five years. It is indeed possible to make money, but it is also very likely to lose money.
Beginners should not only choose a fund that suits their own type, but also learn how to buy a good fund. Only by holding a good fund for a long time can they get a steady stream of income.