Funds enable many investors to invest in the selected objects of financial management. Many investors don't know much about funds and are novices. The following is an introduction of how beginners play with the funds collected by Bian Xiao. Welcome to read and share. I hope you like it.

Beginner's introduction to playing funds.

1, beginners buy funds, try to buy broad-based index funds, and it is not recommended to chase hot funds. The so-called hot spots are often hyped, so buy at a high level.

2. When buying a fund, you must distinguish whether you are buying Class A or Class C, and whether there is a handling fee for buying and selling. Novices and short-term holders generally have C to buy C.

3. You must buy funds in batches, not stallions. It is also recommended to sell in batches when selling. You'll know the benefits of doing this after a few operations.

4, don't chase up, don't kill down, because you don't know which is the top and which is the bottom, it is best to operate in batches.

5, don't listen to the big V nonsense, buy this today and buy that tomorrow, and finally chase after dozens of funds, the energy can not reach, and finally they are all quilted.

What is the first step to contact the fund?

The first step to contact the fund can be to understand the basic knowledge and ideas of the fund. Here are some suggestions that can be used as the first step to contact the fund:

Learn the definition and principle of fund: understand that fund is a tool for collective investment. Fund companies allocate and manage assets by professional fund managers by raising investors' funds.

Understand the types and classification of funds: understand the different types of funds, such as stock funds, bond funds, hybrid funds and so on. , and their risk and return characteristics.

Learn the operation mode of the fund: learn the operation mode of the fund, such as trading mechanism, net worth calculation, rate structure, etc., and understand the trading process and related expenses of the fund.

Familiar with fund performance evaluation indicators: learn fund evaluation indicators, such as net growth rate, annualized rate of return, Sharp ratio, etc. To help evaluate the performance of the fund.

Pay attention to the relevant news and market trends of the fund: read the news and market reports to understand the latest trends and trends of the fund industry.

What are the basic knowledge of the fund?

Fund types: Understand different types of funds such as stock funds, bond funds, hybrid funds and index funds, as well as their investment strategies and risk characteristics.

Fund net value and share: understand the concept of fund net value, that is, the asset value corresponding to each fund share; Learn how to calculate the net value of the fund and track the changes of the net value of the fund.

Fund expenses: understand the composition of fund expenses, including management fees, custody fees, sales service fees, and how to calculate and compare fund expenses.

Fund performance and risk: know how to analyze and evaluate the historical performance of the fund, including annual rate of return, risk indicators (such as volatility), relative index, etc., so as to understand the risk level of the fund.

Fund managers and management teams: Understand the experience and investment style of fund managers, as well as the professionalism and asset management capabilities of fund companies.

Investment objectives and risk tolerance: make clear your investment objectives and needs, such as long-term investment or short-term planning, and choose the appropriate fund type according to your own situation.

What do we need to think before buying a fund?

Investment goal: define your long-term capital growth, retirement plan, education fund and other investment goals. Select the appropriate fund type and risk level according to the target.

Risk tolerance: evaluate your risk tolerance, that is, how much investment risk you can accept. Risk is related to return. Generally speaking, equity funds with high investment risks may bring higher potential returns, but they are also accompanied by greater volatility.

Investment period: determine the investment period, whether it is long-term investment or short-term planning. Long-term investment can consider choosing stock funds, and short-term planning may be more suitable for choosing bond funds or money market funds.

Diversification: Consider diversifying the investment to different types of funds or multiple fund companies to reduce the overall risk of the portfolio.

Expense: Understand the expense structure and rate level of the fund, including management fee, custody fee and sales service fee. Choosing a low-cost fund can improve the investment income.

Fund companies and fund managers: Understand the credibility and asset management capabilities of fund companies, as well as the experience and investment style of fund managers.

Supervision and information disclosure: understand the supervision organization and relevant regulations of the fund, as well as the degree of information disclosure and public disclosure of the fund, so as to have comprehensive information when making investment decisions.

Why do fund transactions need to be cautious?

Fund investment risk: Fund investment involves market fluctuation and risk, especially stock funds are easily affected when the market fluctuates greatly. Investors need to pay attention to the risks and adaptability of the market so as not to suffer losses at unfavorable times.

Market liquidity restriction: although funds usually have high liquidity, the trading of funds may be restricted in some periods or under certain circumstances. For example, when a large number of investors flood into the fund, the fund may suspend redemption, resulting in investors not being able to obtain funds in time.

Impact of speculation: Some investors may pursue quick profits through short-term trading, such as chasing high and killing low, and intraday trading. These speculations may lead to the decline of investors' profitability.

Misleading information and uncertainty: in the fund trading market, there are a lot of information and analysis reports, including both true and credible information and inaccurate or misleading information. Investors need to have good information screening and judgment ability to avoid being influenced by wrong information.