With the enhancement of people's financial awareness, more and more investors have turned their attention to the fund market, and the fund market has also welcomed a large number of novice investors. Novices always have a lot of doubts when they go on the road, such as what fund to buy? How much do you buy for yourself? If you have more money, you worry that the risk is too great, and if you have less money, you worry that the income effect is not obvious. So, how much is appropriate for beginners to buy funds?

Before you start investing, you must first determine how much money you have to invest. If long-term investment is considered, for a novice, it is recommended to be steady and low-risk, and the allocation ratio of stock funds should not exceed 40% of the total investment assets. If you choose to invest in the fund by fixed investment, the deduction amount of each fixed investment shall not exceed 30% of the monthly balance change. This level of capital investment will not bring too much pressure on yourself.

When you decide the investment proportion, you should consider the investment goal. Making more money will make you feel comfortable. Most investors don't know how to determine their own investment goals, only think that the more, the better, especially novices. Experienced investors who have experienced market polishing have been able to roughly understand market risks and their investment ability, and it is easier to determine. Usually, we can do a simple calculation like this:

At present, the bank's five-year time deposit interest rate is about 2.8%. According to the prediction center of Chinese Academy of Sciences, CPI may increase by about 3.6% in 2020. Together, these two parts can be called risk-free income. Investment funds are risky, so we have to bear certain risks, so we also expect higher returns. Therefore, our investment target can add some risk returns on the basis of 2.8%+3.6% risk-free returns. For example, if you add 3%, then the investment target is 9.4%, so the investment target is set at around 9%. According to the long-term average annualized return of the fund market 12%, we can set the expected return range between 9%- 12%.

Determining the investment proportion and investment target is an investment problem.

In fact, before investing, the most correct way is to allocate large-scale assets first, especially in the case of managing existing savings. In any case, this part of the funds used for investment must be idle funds. If you want to plan the money you will earn in the future, it is suggested that novice investors can start with fixed investment funds. It is best that the funds used for fixed investment will not be used for 3 to 5 years, because the fixed investment of funds requires long-term persistence, and short-term investment has no obvious effect. And it is easy to lose money if you quit halfway in the short term.