How to buy a fund? What are the fund subscription skills? Fund subscription refers to the behavior that investors open fund accounts in fund management companies or selected fund consignment agencies and apply for purchasing fund shares in accordance with the prescribed procedures. So do you know the way to subscribe? Today's Bian Xiao will share with you the subscription method of this fund, hoping to help you.

Generally speaking, there are three ways, the third-party platform of the website of banks and fund companies. Let's introduce the differences between these purchase channels:

1. Bank

Many investors should be familiar with bank purchases, because we often go back to the bank to handle business, it is more convenient to buy wealth management products and funds, and banks are the safest in people's minds, so most investors buy directly from banks. In fact, it is a formal fund sales platform. Investors don't have to worry about this? !

2. Fund company website

The second channel is the fund company, which is issued by the fund company, and investors can go to the corresponding fund company or company official website to buy. The advantage is that there is no middleman to earn the difference and the rate is low! Short arrival time, high transaction efficiency and obvious shortcomings. You can only buy your own products. If my investors plan to invest more, you need to open accounts of several fund companies, which is also very troublesome to operate!

3. Third party platforms

One channel is a third-party platform, such as Alipay, WeChat, Tian Tian Fund and other consignment platforms, and the bargaining power of the platform is also very strong. The transaction rate of the fund will also be discounted, and the subscription fee is generally 10% off, which is also very convenient for me. One-stop financial management.

How to buy a fund? What are the fund subscription skills?

As a financial management tool, fund has been accepted by most people. Ordinary people want to share the fruits of China's rapid economic growth through investment funds, which is understandable, but investors should learn some basic knowledge of funds before investing to make their investment more rational and effective. Let's take a look at the fund subscription skills.

What are the fund subscription skills? Correctly understand the risk of the fund and buy the fund varieties suitable for your risk tolerance.

Most of the funds issued now are open-end stock funds, which is the most risky fund in China. Some investors believe that the stock market is experiencing a big bull market, and many funds are issued through major banks, so there is absolutely no risk. But they don't know that the fund is just an expert in investing and managing money for you. They want to use your money to buy securities. Like any investment, there are certain risks, and this risk will never disappear completely. If you don't have enough risk-taking ability, buy partial debt or bond funds, or even money market funds.

What are the fund subscription skills? You can't be greedy and cheap when choosing a fund.

Many investors will choose funds with lower prices when buying funds, which is a wrong choice. For example, Fund A and Fund B are established and operated at the same time. One year later, the unit net value of Fund A reached 2.00 yuan/share, while the unit net value of Fund B was only 1.20 yuan/share. According to this rate of return, in another year, the unit net value of Fund A will reach 4.00 yuan/share, while the unit net value of Fund B can only be 1.44 yuan/share. If you buy B fund cheaply in the first year, the income will be much less than that of A fund. Therefore, buying a fund must look at the rate of return of the fund, not the price.

What are the subscription methods of the fund's fixed investment?

1 counter

Bring a bank debit card to the counters of banks, securities and fund companies to sign a fund subscription agreement, and deduct a fixed amount from the applicant's account on time for fixed investment according to the agreement.

2 Alipay

After entering Alipay APP, find "Wealth"-"Fund"-"Fixed Investment Zone" and select the appropriate fund products for fixed investment.

3 wechat

Open the mobile phone WeChat, click on "I Pay-Licaitong", enter "Fund Fixed Investment" and then select the products to be invested, and you can immediately make a fixed investment.

4 Mobile banking

Log in to the mobile banking bank that supports fixed investment, and select the required fund for fixed investment through the menu of "Investment and Financial Management-Fund Fixed Investment".

5 online banking

Log in to personal online banking and make a fixed investment through the menu of "Investment and Financial Management-Fund-Fund Supermarket".

Fund subscription consideration

The subscription method of the fund is divided into single investment and fixed investment.

A single investment is an investment method that takes out relatively more funds at one time and buys relatively more fund shares; The fixed investment of the fund is a kind of investment method similar to the "zero deposit and lump sum withdrawal" of bank savings, and a certain amount is invested regularly. These two methods have their own advantages and disadvantages. Just choose what suits you. Can be considered from four aspects:

Capital situation: abundant funds (single investment) and less funds (regular quota)

Market situation: upward trend (single investment), downward trend or fluctuation (fixed time limit)

Risk preference: high risk (single investment) and low risk (fixed time)

Fund type: money fund or bond fund (single investment), stock or mixed (fixed time limit).

Fund subscription mode

First, the cost average method is to invest fixed funds in the same fund on a regular basis. In this way, every little makes a mickle, so that small money can be accumulated into a lot of wealth. This investment method is not complicated to operate. Just sign a "Power of Attorney for Regular Fixed Deduction" with the bank that sells the fund, and stipulate the monthly subscription amount, and the bank will automatically deduct the money regularly to buy the fund.

Second, the value average method The value average method refers to increasing the investment amount when the market price is too low; On the contrary, when the price is higher, the investment will be reduced, and even some funds can be sold. This is a relatively safe way to subscribe for funds, and there is generally no big problem. Investors seeking stability can consider choosing this method.

Third, MLM subscription mode One-time subscription mode is the most common subscription mode, and there are three other subscription modes.

Generally, the fund of 1/2 is used to purchase first. If the fund does not rise but falls after the buyer, it is not appropriate to increase investment. Instead, when the net value of the fund rises, it buys 1/3 of the fund at a certain price, so as to increase the number of buyers in the rise until the "opening position" of a certain price is completed. It's like a pyramid. Buy more when the price is low, and buy less when the price is high. The comprehensive procurement cost is lower and the profitability is naturally stronger.

Investors buy funds for profit. In addition to selling funds to recover investment, fund dividends are also an important channel for investors to obtain income. Fund dividend means that the fund company distributes part of the fund income to investors as a return on investment. Fund dividends can be divided into cash dividends and dividend reinvestment.

-cash dividend method cash dividend method is a dividend method in which a fund company distributes part of its fund income to fund investors in cash.

Second, the dividend reinvestment method The dividend reinvestment method is a way for fund investors to reinvest the cash dividends obtained from dividends in the fund to obtain fund shares. According to the provisions of the Measures for the Administration of the Operation of Securities Investment Funds, if the investor does not specify the dividend method, the default dividend method is cash dividend method. In other words, the default dividend method of fund management companies is cash dividend.

However, before the equity registration date, fund investors can go to the fund sales organization of the fund you purchased to select and modify the required dividend distribution method. Fund investment and holding fund investment are gradually accepted by individual investors. The industry believes that investors should better grasp the methods of fund investment. The determination of the holding period of the fund is a very important factor, which is related to the income of the fund and should be widely valued by everyone.

To buy a fund, we should not only choose a good fund and buy people in batches, but also pay attention to the long-term investment income and hold it as an expert wealth management product for a long time. Choose old funds and new funds. Investors are often in a dilemma when choosing old funds and new funds. Subscribing for a new fund feels that the opening period is too long, but the net value is low and the handling fee is cheap; However, buying old funds feels that the net worth is too high and the handling fee is expensive.

In fact, it is because people have not correctly understood the meaning of the net value of the fund. The so-called net value of the fund is the proportion of the net assets of the fund to the total share of the fund. Refers to the total market value of the fund calculated according to the closing price of the securities market on each trading day, divided by the total share of the fund on that day to get the net value of each fund. Therefore, if the old fund does not have high net worth, it will lack the motivation to rise. On the other hand, if the stock selection of funds is not good, funds with low net worth can continue to fall.

Low net worth is certainly not easy to rise, and high net worth is also difficult to rise. As the choice of the old fund and the new fund, it mainly focuses on the judgment of the short-term market, because the stock portfolio of the old fund has already opened a position, and the new fund needs to open a position again. If the recent market is rising, it is better to choose the old fund, but if the recent market is fluctuating downward, choosing the new fund can open a position at a lower price.

Treat stock investment and fund investment differently. The cycle of stock investment is usually short. When an undervalued stock rises to a reasonable price or premium, it will experience stagflation and downward adjustment, while the price of growth stocks with long investment cycle is generally determined by the operating conditions of listed companies. The fund invests in a well-designed stock portfolio. By investing in undervalued stocks or stocks with growth, it can well resist market risks and gain income.

The expert team of the Fund will also make reasonable position adjustment for investors and change the stock portfolio in the ever-changing stock market. It can be said that the income of investment funds is longer and more stable, so investment in partial stock funds should minimize operations and get good returns through long-term and slowly accumulated income. The cycle of stock investment is long and short, but the cycle of fund investment is long.

Now, taking stock funds as an example, I will introduce some financial management tips during the fund holding period. 1。 Blind holding is inefficient. Always pay attention to the trend of individual stocks and constantly adjust their own funds, which is wealth appreciation. Third, the MLM subscription method is the most common subscription method, that is, one-time purchase of funds. In addition, there are three ways to subscribe. . Generally, the fund of 1/2 is used to purchase first. If the fund does not rise but falls after the buyer, it is not appropriate to increase investment. Instead, when the net value of the fund rises, it buys 1/3 of the fund at a certain price, so as to increase the number of buyers in the rise until the "opening position" of a certain price is completed.

It's like a pyramid. Buy more when the price is low, and buy less when the price is high. The comprehensive procurement cost is lower and the profitability is naturally stronger. Investors buy funds for profit. In addition to selling funds to recover investment, fund dividends are also an important channel for investors to obtain income. Fund dividend means that the fund company distributes part of the fund income to investors as a return on investment.