How to buy a fund? Watching people around them buy funds to get a lot of income, many whites can't help but itch, but how should they buy funds? Here is how to buy the fund brought by Bian Xiao, hoping to answer your question.

How to buy funds

The channels for purchasing funds can be through banks, securities companies, fund company websites, tripartite payment platforms cooperating with fund companies and professional fund websites.

Securities companies and fund companies need to open another fund account on the website, while banks and third-party payment platforms do not. They can buy directly from their own institutions' accounts. The most common funds are stock funds, bond funds and money market funds, among which stock funds are the most risky, and investors need to make reasonable choices according to their investment habits.

How to buy funds

You can't be greedy and cheap when choosing a fund: you can't just look at the cheap price when choosing a fund. For example, what you bought is left and right, which means that the fund's income is not high, and it may or may not improve much after one year. The new fund is not necessarily a good fund: the price of the newly listed new fund is relatively low, and it is mistakenly thought that if the investment is less, it will not lose much. If they behave well, they can make a lot of money. In fact, nothing is certain about the new fund, and it is the most risky. Fund companies have strong strength and long operation time: before buying a fund, you should examine the strength of the company and see how long it has been in operation, just like looking for a husband, looking for a good family background. Look at the professional level of fund managers: the first thing to buy a fund depends on the operational level of the fund manager, and the level of the fund manager determines how the fund will perform in the future. Buy a fund that suits you: when buying a fund, you should choose to buy open, closed, high-risk, low-risk, portfolio, stock and so on according to your own situation. How to buy low-cost funds: choose channels with promotions or discounts to buy funds to reduce costs; Holding funds for a long time is also a way to reduce the purchase cost.

You can't be greedy and cheap when choosing a fund: you can't just look at the cheap price when choosing a fund. For example, the net value of buying a fund is about one year, indicating that the fund's income is not high, and there may or may not be much improvement after one year.

The new fund is not necessarily a good fund: the price of the newly listed new fund is relatively low, and it is mistakenly thought that if the investment is less, it will not lose much. If they behave well, they can make a lot of money. In fact, nothing is certain about the new fund, and it is the most risky.

Fund companies have strong strength and long operation time: before buying a fund, you should examine the strength of the company and see how long it has been in operation, just like looking for a husband, looking for a good family background.

How to buy a fund to manage money, Xiaobai

The premise of buying high-quality funds is mainly based on the historical performance of funds and fund managers.

If a fund has performed well in the past 3-5 years, it is relatively unlikely that the fund will lose money in the future.

In addition, when we invest in funds, we actually give the funds to the fund manager to invest in stocks, so the fund manager's past performance and working hours largely reflect his professional level and trading level.

Although funds are more suitable for long-term investment, not all funds can be bought at will, so I have summarized the following tips to share with you.

1. Novices should never buy in full positions. If the fund is at a high level, buying a full position will not only make up the position in depth, but also have no way to make up the position and dilute the cost, and the cycle of withdrawing funds will be greatly lengthened.

2. The holding period of the buying fund must be more than 7 days. The redemption fee will be discounted only if it is held for more than 7 days, otherwise the transaction fee will be 1.5%.

3. In the choice of funds, you can refer to the trend of fund themes. The method is to check the position of the top ten stocks. Assuming that the overall downward trend is obvious, it is best to buy in batches to reduce risks.