Make a self-understanding first, whether it is high risk and high income or steady capital preservation income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees.

There are several types of open-end funds: currency, bond, capital preservation and stock. There is no redemption fee for the money fund, and the income is equivalent to six months to one year's deposits, which can be redeemed at any time without loss. The subscription and redemption costs of bond funds are relatively low, and the income is generally greater than that of money funds, but there is also a risk of loss, and the loss will not be great. Stock funds have the highest subscription and redemption costs, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but when the stock market rises, there will be gains. The handling fee is generally 0.0% for subscription/kloc-0, 0.5% for subscription/kloc-0 and 0.5% for redemption. However, if you open online banking in the bank to buy some funds, there will be a 0.6-0.8% discount, and if you buy them on the fund website, there will be a 0.4-0.6% discount. First, open bank cards and online banking, and open fund trading accounts. After returning home, go to online banking. If you want to buy the fund of that fund company, go to the fund company to open a fund account, and then purchase or subscribe. If the fund company does not support your card, you can remit money to buy it.