Step 2: Examine your risk tolerance. As the saying goes, know yourself and know yourself. Choose products within the risk tolerance range, so that investment will not become your burden. If you want to know your risk tolerance, investors can determine it through the fund risk tolerance test published on the websites of various fund companies. Generally, from low to high, there will be at least three grades of conservative, steady and positive, and some will reach five grades, which will increase the risk tolerance lower than conservative safety type and higher than positive enterprising type.
Step 3: Determine the type of fund to be purchased. Because different types of funds have different ratios of risk and return, investors should be clear about what kind of fund products they should buy when investing in funds. From high risk to low risk, fund types are divided into stock type, mixed type, bond type and currency type. Investors should decide according to their own risk tolerance and investment period. For example, short-term investment is best based on currencies with weak volatility; For long-term investment, customers with high risk tolerance can choose stock type or mixed type, and customers with low risk tolerance had better choose bond type. In addition, due consideration should be given to the market performance during the investment period. For example, if you are optimistic about the future market, you can consider increasing high-risk and high-yield funds such as buying stocks.
Step 4: Determine several candidate products. When determining the type of fund to invest in, the corresponding fund type can be selected from the rating tables of third-party rating agencies such as Galaxy Securities. There will be many assessment items in the scoring table. At present, everyone is more concerned about the comparison of past performance. Here, I hope everyone will ignore the short-term net fluctuation and pay attention to the long-term income.
Step 5: Finalize the investment products. When comparing several products, you can consider the situation of fund companies and services. The first time you see a fund company, you may find it difficult to judge. Let's talk about a few first: You can check the establishment time of the fund company, the strength of shareholders, and whether the operation is standardized (whether there are irregular behaviors in recent years, etc. ), the overall performance of the fund, whether the product line of the fund is complete, and the stability of the fund manager. As for the service, you can know the service content provided by the fund company through its website or customer service hotline. Good service can let customers know the changes of the fund in time.
Step 6: Determine the purchase channel. After determining the fund, you need to choose the purchase channel. You can go to banks, brokers and other consignment channels to buy, you can also buy through online transactions or directly to the fund company's direct sales center. This is mainly due to the convenience of investors buying funds themselves. In addition, it is necessary to determine whether it is a one-time investment or a regular fixed investment. One-time investment is more suitable for customers who have long-term idle funds on hand. Fixed investment is suitable for customers with long-term investment needs and regular fixed income.
Recommended fixed investment of the fund:
I. Plan
Objective: Young parents reserve education fund for their children after 00.
Recommended Fund: Changsheng CSI 300 Index Fund 30%+ Changsheng Growth Value (Changsheng Dynamic Selection Back-end) 70%
Combination style: aggressiveness
Demand description: Young parents' career is on the rise, and their income and daily consumption level are relatively stable. But as children grow up, education will become an important large expenditure, and you can boldly invest in high-risk and high-yield varieties.
Combination characteristics: This is an enterprising partner who believes that "attack is the best defense", can share the overall growth of the market and is good at capturing individual stock opportunities. In the process of market decline, you can buy more stocks at a low level through fixed investment, and the offensive vitality of the fund will be completely released when the market rises. This is a very representative "smile curve" combination.
Second, the procedure.
Objective: To make investment reserves for settling down and starting a career.
Recommended funds: 70% of Changsheng Innovation Pioneer Hybrid Fund+30% of Changsheng Active Allocation Bond Fund.
Combination style: offensive and defensive balance
Demand Description: Young people who have just entered the workplace have no solid economic foundation and need to build a beautiful career and family through struggle. Long-term rational investment can help them "get twice the result with half the effort".
Portfolio characteristics: choosing to invest in hybrid funds with innovative and growth-oriented listed companies is in line with the characteristics of young people's initiative and courage to struggle; With the stable income of star bond funds, it will bring greater flexibility to asset allocation. It can be said that the overall combination is flexible and stable.
Third, the procedure.
Objective: Young and middle-aged people after 60 and 70 began to reserve retirement pension funds.
Recommended fund: Changsheng Growth Value (Changsheng CSI 300)50%+ Changsheng Full Bond Index Bond Fund (back end) 50%.
Combination Style: Steady and Conservative
Demand Description: In the next twenty years, China will step into an aging society. After retirement, family income dropped sharply, and daily consumption was forced to shrink, but medical expenses increased year by year. It is a good choice to gradually reduce aggressive investment and increase low-risk products.