1. There are two methods of financial management: 1. Bank deposits: you can use the method of lump sum withdrawal; 2. Fixed investment funds: regularly invest 300-500 yuan in funds every month.
It is recommended to use the second method of fixed investment funds: 1) Office workers: don’t have much money left every month; are not familiar with the securities market; have no time to frequent fund sales agencies.
2) People who have special financial needs at some point in the future: 1) People who are new to society: buy a house, get married; 2) Couples with children: save funds for their children’s education; 3) Middle-aged people: plan for retirement.
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3) Investors with low risk tolerance.
3. There are many ways to buy funds: 1. Buy on the fund website, which is called fund direct sales. Advantages: lower subscription and redemption rates; disadvantages: online banking must be opened; fixed investment is not very convenient, and you have to go to many places at the same time.
Register on the fund company website. If you lose your bank card, it is very troublesome to change the bank card account number; Advantages: The subscription fee is low, usually around 0.6%; 2. Buy and sell funds at the bank business. Advantages: Safety and security, a wide range of fund types
; Disadvantages: 1. Time limit, transactions must be made within 9:30-15:00 on working days; 2. Going back and forth to the bank and queuing up, a waste of time; 3. Purchase using online banking, advantages: safe and guaranteed
, although online banking is used, it is not actually necessary to activate the transfer and remittance function of online banking, so that no unsafe situation will occur during transactions or fixed investment in funds; it is convenient to purchase funds and there are many types of funds; Disadvantages: Internet and computer are required;
4. Use mobile banking to purchase. Advantages: It is the same as online banking, but online banking is more convenient. Disadvantages: You must have a mobile phone that can access the Internet and activate WAP (it is recommended to activate the monthly subscription function); some mobile banks have monthly fees, and CCB mobile phones are free of charge.
Three months' monthly rental fee; 5. Other methods, such as securities companies, direct sales offices of fund companies, telephone banking and other online banks to purchase funds and fixed investment funds: 1. Go to the bank to apply for a bank card or an existing bank card 2.
On trading days (Monday to Friday 9:30-15:00), go to the bank business hall to open the fund's online fixed investment and subscription business (no need to activate the online transfer and remittance function) 3. After registering online, you can set the fixed investment fund name/fixed investment
Date and amount, etc. Generally, a fixed investment in a fund requires a minimum of 100-300 yuan a month. You can also directly purchase a fund online, with a minimum of 1,000 yuan; 4. Redemption is simpler. After logging into online banking, click Redeem (3
-Can be credited within 7 days) 5. To check the net value/shares/profit and loss of the fund, etc., you can log in to each online bank to check.
5. With regular fixed investment, no matter how risky the fund is, it will become very small. You can invest 100-2,000 yuan in stock funds every month or choose a fund portfolio. Stock (index) funds must be invested for the long term.
(It is recommended to hold and invest continuously for 3 years or more, so as to avoid risks and get better returns). No matter how you choose a fund, you must remember one sentence: Don't put all your eggs in one basket.