The first step: office workers are most suitable to choose online banking, and the online banking of Bank of Communications and Industrial and Commercial Bank of China is the best; If the work is very idle and the company network is fast, then go directly to the fund company to buy it. It seems that it is almost the same to open a wide card, industrial bank card and agricultural bank card, and then go to the fund company's website to open an account and buy it. The purchase cost is about 0.6%, and there are also 0.3%, 0.4% and 0.9%. ICBC can get a maximum discount of 20%, and Bank of Communications has more than 100 open-end funds, which can get a unified discount of 4% to 0.6%. There is also opening a stock account. It is said that large households (more than 200,000) buy open-end funds without handling fees. Personally, I recommend Bank of Communications, because it can be finalized on a platform of Bank of Communications, but it should be noted that there may be problems when placing orders after 14.45. My ADSL once failed to place an order on 14.50.

The second part: Choose a core fund company. There is a method in my previous post. I downloaded all three years' grade data to the computer. Then list a few standards yourself (if there is a fund with a cumulative net value of 0.85 in history, then the fund company will not choose; Non-top ten fund companies choose carefully; The funds ranked lower in history are the most; If you don't choose 10, you should also combine the funds that your bank can buy. ), so if there are about 5 companies coming into your eyes, there are about 15 fund products.

Part III: Calculate the daily net growth rate and the standard deviation of the daily growth rate of the selected fund products in the last six months. You can also look at Perry's ranking report, which is available every week. Then, according to their own risk preference, we decide the combination ratio of stock funds (60%-95% of stock positions), balanced funds (50%-90% of stock positions and more than 20% of bond positions), principal guaranteed fund and monetary funds. Note that the initial fund variety is not suitable for too few, at least 10. Then, check whether the history of fund managers has changed and whether fund managers have investment value. It is estimated that at least two products will be eliminated.

The fourth part; Buy. Go to the financial website to see the recent market, overseas stock markets, Hong Kong stocks, RMB exchange rate, expert analysis, stock analysts' suggestions, etc. And be sure to look for two more days. Establish your own market expectations first. After all, our investment expectation is to make money. Only when we invest in it can we see the benefits immediately and we can continue to invest. Generally speaking, Monday is not suitable for buying together. On Monday, the market is basically more likely to rise, and on Wednesday, Thursday and Friday, it is more likely to fall. If you decide to invest for a long time, you must invest within a week. Otherwise, only regret is waiting.

Part V: Late observation and redemption time. Observe and calculate the income once a week. If you want to redeem it, you should observe it for at least one month. If the investment is redeemed in less than 3 months, don't invest again; The price of redemption is to delay the market for at least 5 trading days. The target income should be at least 40% in that year. It is recommended to maintain a low position of 30%-50% from mid-April to August every year, and at least 70%-90% from September to early April of the following year. At the same time, you can choose the back-end charging mode, as well as 20 16, which is easy to stabilize. And maintain a stable investment of 20% for more than 3 years.

Part VI: Accidents. The fund company was punished by the state and the fund manager jumped in that direction. Ranked lower (in the lower 30% range) for several weeks without credible and reasonable explanation (expansion, large scale increase, large dividend ratio, etc.). ).