Fund investment is a better way to manage money, which can also be said to be a lazy way to manage money. Leave the money to the experts of the fund company, so as to achieve the effect of easy investment and twice the result with half the effort. Then who is suitable for buying funds? How do novices buy funds?

Suitable groups:

1. Ordinary people who want to get higher expected annualized income than deposits and outperform the inflation;

2. Professionals who don't have time to pay attention to the market often or are unwilling to take high risks in the stock market;

3. People who lack professional investment knowledge and can't grasp the time of buying and selling;

4. There is not much money available for investment every month (the minimum threshold of the fund is .1 yuan, and there is no better way to invest except in the bank; In addition, different fund types are suitable for different investors, because everyone has different risk tolerance. For example, for a conservative novice, you can buy a very low-risk monetary fund.

How do novices buy funds

1. Choose a buying platform and open an account

At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Its characteristics are as follows:

Introduction: Third-party consignment websites (with comprehensive funds and low rates, generally starting from 4% off) can register their accounts directly online and then bind their bank cards.

2. Select a fund

First, confirm your risk tolerance, investment period and financial management objectives, and then determine the type of fund to invest. Funds are ranked from high risk to low risk: stock funds, bond funds and money funds (the greater the risk, the higher the expected annualized expected return).