Funds are raised by the public and handed over to fund companies. The financial experts of the fund company invest and manage the money, and the investing public shares the risk of paying compensation. After accumulating a large sum of money, entrust it to a professional fund manager and use its fund management in appropriate channels, such as stocks and bonds. When the investment is profitable, it will be shared by the investing public, and when it is lost, it will be shared by the public. ...

Evaluate your risk tolerance first.

And your own financial goals.

Now choose the right fund for you.

Investment funds have several main points:

1. Diversified portfolio:

2. Global layout:

3. Long-term holding

4. Equity-debt balance

5. Set the stop-loss and profit-taking point and switch in time.

6. Regular quotas

How does the fund work?

For investors, I think you can have two ways.

First, you must open an account in the bank and choose the domestic and foreign funds you need. The bank will deduct money from your bank account book regularly, so you must keep your account, and you have money.

Second, there is a new service to deduct money from your credit card. Similarly, the bank will regularly deduct money from your credit card. As long as the credit card is paid off regularly every month, there is no need to pay other fees such as revolving interest.

The standard of each fixed investment is based on the contract you signed with the bank at the beginning to see how much money you want to invest in each period. Of course, you should consider your own ability, because funds, like stocks, will go up and down, but the funds you invest in each period are the same, but the stocks in each period are different, so your long-term risk is average. Generally speaking, foreign countries suggest that you invest in overseas funds of BRIC countries, with a three-year return rate of more than 25%. As for the extra fee, the bank charges 3% for the fund you choose, but each bank is completely different. Some can reduce the handling fee after you invest 12 to attract your long-term investment.

For fund managers,

They will judge the target stocks they choose, analyze the proportion of investment, make the analysis and judgment of financial experts, and make their own investments, thus ensuring investors' trust in them.

How to choose:

To buy a fund, you need to master six evaluation rules

In order to select the best fund products, it is very helpful for investors to master certain evaluation rules for purchasing fund products. The following six evaluation rules of fund products can be used for investors' reference.

First, evaluate the manager of the fund. It is very important to buy a good fund product and find a good fund manager.

Second, evaluate the dividend-paying ability of the fund. As a professional wealth management product, the growth of fund net value is sustained and slow. A relatively stable and lasting dividend policy will constantly reflect investors' investment rights and interests, thus making the investment of the fund more stable, helping investors to establish a long-term investment concept and making it easier for investors to profit from the long-term investment of the fund.

Third, evaluate fund managers. The investment behavior of fund managers directly determines the operating style of funds, affects their operating performance, and presents different income characteristics. Therefore, it is very important to study the operation law of fund products and the investment style and characteristics of fund managers.

Fourth, evaluate the innovation ability of fund managers. Investors choose the right fund manager and need to evaluate the fund manager scientifically and effectively. In the face of the constantly subdivided fund market, in order to obtain a stable customer base, there must be fund products that meet the needs of investors. What meets the individual needs of investors is the innovative ability of fund managers.

Fifth, evaluate the transaction cost of the fund. As an important part of fund transaction costs, fund products with lower comprehensive rates, including subscription, redemption, conversion, custody and management, will be more attractive to investors. Therefore, it is very important for investors to calculate and evaluate the necessary rate structure when purchasing fund products.

Sixth, evaluate the fund's continuous service ability. If you buy a good fund product, you must also have a good service from a good channel provider. Provide investors with timely and accurate information on all fund products, including fund net value, through the good service of fund marketing fund managers. In addition, in the specific service guidance of fund products, effective consulting service guidance and suggestions will be obtained. The high value-added fund products and services of fund distributors will eliminate more blind spots caused by the lack of fund investment information.