Around us, there are many financial products, such as stocks and funds, which are deeply loved by investors. Among them, fund investment is a better way to manage money. The following small series brings you the introduction and practical skills of the fund, I hope you like it!

Fund introduction and practical skills

1. Definition of funds: funds can be divided into broad sense and narrow sense. The fund here means that the fund manager manages our investment and buys stocks for us, so we can get dividends without paying attention to the stock dynamics in real time. The fund only needs to trade before 3 pm every day, which will be introduced in detail below.

2. Buy a fund and pay attention to the trend of the fund. Usually the fund is bought before three o'clock that afternoon, after three o'clock that day and before three o'clock the next day. The price of the fund changes in real time from 9: 30 to 3:00 a day. The price of buying the fund is subject to the price at 3: 00 p.m. on the day you buy it. Similarly, if it is sold before 3 pm on the same day, it is also sold on the same day, and the money will arrive the next day. If it is sold after three o'clock in the afternoon, it will be sold the next day and arrive the day after tomorrow.

3. Sell the fund and hurry up. Selling funds, like buying funds, is based on 3 pm that day. Step 2 has already been introduced. Here, I would like to add that the fund is not allowed to buy or sell on weekends, that is, Saturday, Sunday and legal holidays. I just can't operate, and I won't open it that day. It should be noted that if the fund is sold on Friday, it will arrive on Saturday; if it is sold on Saturday, it will arrive next week. If it is sold at the beginning of the Golden Week, then the end of the Golden Week will come, so it is necessary to arrange the time for fund trading reasonably.

4. Where to buy a fund. At present, many financial platforms provide fund purchase services, and the mobile phone software provided by these platforms is installed through smart phones. You just need to use a company that you like better after comparison.

5. which funds to buy. Every software will have some information, you can check the recent hot spots, but as soon as these hot spots appear, it may be too late to start the relevant funds, so you should make reasonable judgments; It is necessary to check which stocks are held by the fund to be purchased, and how the profits and losses in recent months and years are, and make a judgment; At the beginning, I spent a little money to buy several funds, and learned about the operation process of the funds and some laws of these funds; I usually buy a few familiar funds.

6. How does the fund gain income? The income of the fund is that after deducting the trading expenses, the money sold is more than the money bought, so if you want to sell the fund to make money, you need to calculate whether it is positive after deducting the expenses. Some funds are on the rise for a long time, with little fluctuation every day, which is suitable for long-term holding to obtain income; Some ups and downs can wait and see, find out the law, buy at a low price and sell at a high price, which is suitable for short-term operation to obtain income; Funds also have dividends, and general dividends can make money.

How long will it take for the fund to make money?

How long will it take for the fund to make money? It is reported that if you buy during trading hours, your purchase price will be calculated according to the closing net value of the day, and the income calculation will start from the next trading day, that is, whether it will rise or fall depends on the situation of the second trading day. Note that you must buy it before the trading time, that is, before 3 pm. If it is after 3 o'clock, then the application for subscription will not actually take effect until the second trading day (if it is Friday, it will not take effect until next Monday).

Therefore, if you buy before 3 o'clock on the working day, the purchase price is the closing net value of the day, and the next working day will generate gains or losses. Buy it after 3: 00 on weekdays. The purchase price is the net value of the next working day, and no gains or losses will be generated until the next working day. The general annualized rate of return of money funds is between 3% and 5%; Bond funds are generally between 6% and 9%; The risk degree of stock fund income is relatively high.

Precautions for purchasing funds:

First, check whether the fund rating is good enough. If you are an office worker and have some savings after working for several years, you want to preserve and increase your wealth through fund management, but you don't have time to study the prospectus and regular reports of fund companies, or you don't have the professional knowledge of evaluating funds at all. It is a simple but effective method to pay close attention to the evaluation of fund products by rating agencies on a regular basis.

Second, securities investment reduces the investment risk. In the financial market, fund investment, like other investments, is accompanied by risks and benefits. As a fund investor, you must first be clear about two things, one is your risk tolerance, and the other is your income target. Don't blindly follow suit.

Practical skills of fund investment

Whether the investment objectives of the fund are consistent with your own investment objectives. For example, everyone's investment goals are closely related to factors such as age, income and family status. Whether the investment period of the fund meets your needs. Generally speaking, the longer the investment period, the less investors need to worry about the short-term fluctuation of fund prices, and they can choose more active fund varieties. If investors have a short investment period, they should try to consider some funds with lower risks.

The risk that investors can bear. If investors are sensitive to short-term market fluctuations, they should consider investing in funds with low investment risks and stable returns; If investors are more enterprising in their investment orientation, do not mind the short-term fluctuations of the market and hope to earn higher returns, then some funds with higher risks may be more in line with investors' needs.