1 Managing money with spare money: Before investing in a fund, or when making all risky investments, remember that investment is risky. We shouldn't borrow money or loan to invest. It is best to invest with some spare money after planning a certain living expenses.

2 Have your own judgment: For novice investors, you often look at the fund recommendations of some online bloggers and big V, but it is ok to listen to the suggestions reasonably. Don't copy your homework blindly. On the one hand, it is a doubt about its own investment ability, and the temporary income can't explain anything. On the other hand, in order to pursue traffic, people often use P-charts and other technologies to falsify, so we should be vigilant.

3 Reasonable planning of fund allocation: Many people think that funds can spread risks as long as they buy more, but we must know that many funds are repetitive in investment targets. In this case, even if you buy a lot of funds, you can't spread the risk. We'd better make reasonable allocation according to the types of fund products and target objects.

4 try to buy wide index funds: novices buy funds and try to buy wide index funds. It is not recommended to chase hot funds. The so-called hot spots are often hyped. At this time, it is easy to be quilted at a high position.

5 Choose the appropriate fund charging method: We choose whether to buy Class A or Class C according to the expected investment time, which represents two different charging methods. Under normal circumstances, if the investment time is short, we will choose Class A funds with front-end fees and buy Class C funds with short-term suggestions.