There are many uncertainties in stock fund investment. When risks appear, investors should consider transferring funds to low-risk money funds for hedging. The following are the fund investment channels compiled by Bian Xiao for everyone, hoping to help you. Welcome to read the reference study!
What are the channels for fund investment?
Securities companies: Securities companies are one of the main channels for fund sales. Investors can open securities accounts in securities companies and choose to buy funds they are interested in.
Fund company official website or mobile APP: Many fund companies provide their own official website or mobile APP, and investors can purchase funds directly through these channels.
Third-party fund sales platform: The third-party fund sales platform is an Internet platform that provides fund trading services for investors, such as Ant Fortune and Tian Tian Fund Network.
Bank counter: Some banks provide fund sales and wealth management products, and investors can buy them at the bank counter.
Insurance companies: Some insurance companies also provide fund sales services, and investors can indirectly participate in fund investment by purchasing insurance products.
It should be noted that investors should pay attention to whether the channels are legal and compliant when choosing fund investment channels, and understand the related costs, service quality, product selection range and other factors in order to make appropriate investment decisions.
Types of funds that banks can buy
Yu 'ebao: Yu 'ebao is a bank-linked money market fund. Investors can transfer idle funds to Yu 'ebao and enjoy relatively stable money market income.
Bank wealth management products: The wealth management products launched by banks also include some fund products. These products may be hybrid or bond funds independently developed by banks, or funds launched in cooperation with fund companies.
Fund Fixed Investment Plan: Some banks have launched fund fixed investment plans, and investors can regularly purchase designated fund shares through bank accounts.
Bank fund direct sales: Some banks have set up fund direct sales counters, and investors can buy specific funds directly from banks.
Classification and difference of funds
Funds can be divided into stock funds, bond funds, monetary funds and hybrid funds according to different investment objects. These are several common types of funds. In addition, there is a QDII fund.
The differences between these funds are mainly reflected in two aspects: one is the different investment objects, and the other is the different investment risks. Among them, equity funds have the highest risk and mainly invest in the stock market; Hybrid fund sharing second, the investment direction includes stocks, bonds and money market tools; The risk of bond funds and money funds is much lower, in which bond funds are financial instruments that invest in fixed income such as government bonds and financial bonds, while money funds are used to invest in money markets.
Methods of purchasing funds
1 subscription: the fund subscribes before the working day 15, and the profit and loss are calculated on the second working day. After 15, you can check the profit and loss on the third working day.
2 Subscription: For subscribed funds, the profit and loss can only be seen in the closing period after the end of the raising period. The raising period and the holding period are generally 1-3 months.
3 buy: after buying the fund, you can check the profit and loss on the spot.
What's the difference between subscription, subscription and purchase? Subscription refers to the daily investment of OTC funds, and buying refers to the investment in listed funds. Subscription is to invest in new fund shares, and there will be a subscription period for both off-exchange funds and on-site funds.
Fund purchase skills
First, seize the opportunity to properly bargain-hunting.
When the stock market is at the bottom and the cost of buying stock funds is relatively low, investors should make up their positions appropriately and actively carry out fund bargain hunting. Of course, there are conditions for fund bargain-hunting. We should not only choose a relatively low historical point, but also examine whether economic fundamentals, national policies, reform direction and other factors are favorable.
Second, transfer funds to the money fund to effectively avoid risks.
Third, stick to long-term investment and resist short-term fluctuations.
Many investors tend to enter at a high point and sell at a low point. Successful investors can invest rationally, set up long-term investment plans and overcome short-term fluctuations. It is normal for fund investment to fluctuate with the stock market. In the case of judging the long-term trend, it is the best choice for investors to insist on long-term investment, so as to have the last laugh.
Fourth, avoid excessive frequent operations and reduce transaction costs.
Many fund investors like to conduct repeated investment operations in band mode in order to obtain short-term gains. However, the fund is not an investment tool suitable for frequent operation, and intraday trading may miss investment opportunities, and at the same time, it will greatly remind the transaction cost.
Five, adhere to the fund fixed investment, reduce the average cost.
The fixed investment of the fund can effectively average the investment cost and make long-term investment. Suitable for children's education, specific consumption plans, pension planning, etc. Fixed investment is not only suitable for young people in the stage of wealth accumulation, but also very suitable for middle and high-end investors who need wealth allocation.