How many ways to buy a fund? How to buy the safest and most stable? Many people who are eager to try the fund must see the main points! The following are the safe purchase channels of funds compiled by Bian Xiao, hoping to help everyone.
What are the safe channels for purchasing funds?
Securities company: open a securities account in a regular securities company to purchase funds. Select a securities company with good reputation and compliance to ensure transaction safety.
Official website, a fund company: Visit official website, a fund company, to learn about its products and purchase methods. Buying in official website can reduce intermediate links and improve transaction transparency.
Fund consignment: Some banks, insurance companies and securities institutions can consignment fund products. Choose institutions with formal qualifications and supervision to buy.
Internet fund sales platform: Some Internet financial platforms provide fund sales services. Before purchasing, ensure that these platforms have the necessary licenses and supervision.
How should I choose a fund?
Investment objective and risk tolerance: according to the individual's investment objective and risk preference, choose the matching fund type.
Fund managers and management teams: Understand the experience, professional knowledge and investment strategies of fund managers and management teams.
Fund size and liquidity: Larger fund size and higher liquidity are usually more beneficial to investors.
Fund expenses: consider the management expenses, sales expenses and other related expenses of the fund, and choose a reasonable expense level.
Historical performance and risk indicators: study the historical performance, risk indicators and return rate of the fund and evaluate its risk-return characteristics.
Rating and evaluation: refer to the evaluation reports of professional fund rating agencies and analysts to understand the comprehensive rating and suggestions of funds.
What are the ways to buy funds?
Investors can purchase funds in the following ways:
1. If you want to buy a floor fund, you must open a securities account with a securities company before you can buy it. On-site fund refers to the fund listed on the exchange, which can view the real-time market.
2. If investors buy OTC funds, they can buy them directly on the platform of the fund company or in the fund agency. Such as: securities companies, banks and other entity business departments and Internet fund sales agencies to buy.
In recent years, the Internet has developed rapidly, and many Internet fund sales organizations have sprung up like mushrooms after rain, such as Alipay, WeChat, Tian Tian Fund Network, Egg Roll Fund and Jingdong Finance.
Because of the competition between fund institutions, in order to make small profits but quick turnover, there will be the same fund, some sales organizations will discount, and some sales organizations will not discount. Before buying a fund, investors can compare the discounts between funds sold by various funds before buying.
Investment fund trading method
Funds can be roughly divided into money funds, bond funds and stock funds, and fund buying can be divided into one-time buying, fixed investment and large-scale buying. Different funds and different people are suitable for different buying methods. Investment should effectively combine people, funds and methods to increase the probability and efficiency of making money.
Money funds and bond funds (excluding convertible bonds and radical debt bases) are generally suitable for one-time purchase. From the historical income trend of these two types of funds, we can see that there is almost no retracement fluctuation in both short-term and long-term trends. Because of the product characteristics of low fluctuation and long-term slow rise, the sooner you buy it, the cheaper it is.
This result does not mean that these two types of funds are not suitable for other investment methods, but that if you have funds in your hand, it is recommended to buy them at one time to avoid idle funds. For some prudent investors, if they invest by salary every month, they can make a fixed investment every month. Of course, money funds and bond funds have other uses, such as the storage of emergency funds, excessive short-term funds, and reserved funds to cover positions. No matter what use it is, in theory, you can buy it at one time if you have money.
How to buy funds
There are several ways to buy funds:
1 Buy at the bank counter (higher rate is not recommended).
2 Go to the online banking or fund company's website to buy it yourself (recommended). First go to the bank to open online banking, and then go home to purchase or vote for the fund.
3. Buying a securities account in a securities company (the rate of buying a fund with a securities account is not dominant, while the rate of trading a tradable fund in the secondary market is the lowest but the risk is high, which is not recommended by new investors) 1. How to buy a fund? There are several ways to buy funds:
1 Buy at the bank counter (higher rate is not recommended).
2 Go to the online banking or fund company's website to buy it yourself (recommended). First go to the bank to open online banking, and then go home to purchase or vote for the fund.
3. Buy a securities account in a securities company (the rate of buying funds from securities accounts is not dominant, while the rate of trading funds in the secondary market is the lowest but risky, so it is not recommended for new investors to buy).
Second, how to purchase the fund? The difference between direct selling on the fund company's website and purchasing and redeeming funds in the bank (or online banking)
1. Fund fees (subscription and redemption fees) directly subscribed by fund companies are low.
Funds subscribed in banks or bank online banking have high handling fees (subscription and redemption fees);
The fund company should pay the commission to the bank from the difference in handling fees.
2. Funds directly subscribed by fund companies cannot be redeemed in banks or bank online banking. Can only be redeemed from the fund company online.
Funds purchased in banks or bank online banking cannot be redeemed on the fund company's website, but only in banks or bank online banking.
The fund company directly buys the fund, but the bank does not get the commission, and the fund card of the bank can't find the information of the directly purchased fund.
3. Advantages and disadvantages of direct selling:
Pro: Online operation saves trouble and money.
Disadvantages: it is troublesome to forget the fund account number and password. In addition, when the subscription and redemption are busy, it will be difficult to log in to the fund company's website for a long time, and it will be impossible to log in when the fund company's website server fails. If you are not logged in, you will not be able to trade. It is useless to worry at this time, and there is no way.
4. If you forget the fund account number, you can log in to the website of the fund company with the account opening certificate number. If you forget your password, the initial inquiry password is the last six digits of your account opening certificate number (please use 0 instead of letters and numbers).