How do novices understand funds? First, they should learn the types of funds. Funds are generally divided into loan funds, bond funds, mixed funds, individual stock funds, index value funds and QDII funds. Different funds represent different types of risks and returns. Among them, the loan fund has the least risk, and the short-term financial industry with very high safety factors such as investing in bonds, central bank bills and repurchase will have income every day.

In addition, it depends on the profit trend chart of the fund, which is mainly used to distinguish the recent main performance of the fund. For example, the fund's profitability exceeds that of similar funds and Shanghai and Shenzhen 300, indicating that the fund has performed well in the near future.

Then, you must choose a better fund manager. Because the fund is managed by the fund manager, you can look at the fund manager's management methods, analyze the fund's past profits and experiences, background information, and engage in the rate of return.

In addition, we also need to know some fund trading methods, such as the fund's subscription and redemption fees, and the length of calculating income. , generally can be seen in the fund details. Generally speaking, the redemption rate of funds is closely related to the holding time. The longer the holding time, the more favorable the redemption rate.

How much can a 400,000 fund earn in a month? How much money a 400,000 fund can earn in a month mainly depends on the rate of return. Assuming that the fund increases appropriately, it may increase by 15% in one month. If the monthly increase of the fund is 15% and the subscription amount is 400,000, then you can earn 400,000 *15% = 60,000 yuan in one month.

In this way, when the fund market is good, one month's income can cover one year's income of large deposits, which is still relatively rich. However, it should be noted that if the market is not good, assuming that the fund falls by 15%, it is actually a loss of 60,000 yuan, then the risks and benefits of the fund are both there.

Is it feasible to buy the whole fund for 400 thousand? With 400,000 funds, it seems that the mood is not appropriate. Then this 400,000 belongs to all your savings, which is inappropriate. Because the fund is a risky investment, when the fund market is not very good, the fund may suffer a big loss, which has a great impact on your life.

Then, this 400 thousand is not all my savings, and my family is relatively rich. If 400,000 yuan is a surplus at most, I can buy a fund to play, because even if I lose money, the harm to myself is relatively small.