Funds are called * * * mutual funds abroad, and mainly refer to securities investment funds at home. It is a combination of stocks and bonds, belongs to the concept of expert financial management, and is a long-term investment tool for the public. Buying a fund is a risky investment. There is the possibility of making money, but also the risk of losing money at any time. Novices can use their ID cards to open accounts in securities companies or banks to buy and sell funds. The minimum purchase price of trading funds on the floor is 65,438+000, such as 65,438+063,503. At present, the closing price is much higher in 0.5 yuan, so it is enough for 60 yuan to buy 100 shares, and the bank will vote for 100. Different banks have different rules. Buying a fund in a bank is the most expensive. At present, there are three main channels for buying and selling open-end funds. The cheapest is floor trading: securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds. Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds. Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged. Investors should have their own opinions when choosing funds, and choose investment products that suit them according to their risk tolerance. Any best fund recommendation is the most beautiful lie. If your risk tolerance is high, choose index funds such as Harvest 300, E Fund 100ETF and E Fund 50. , you can get the biggest market income. If your risk tolerance is average, you can choose Huaxia Bonus, Harvest Select and Xingye Trend. Hybrid funds such as Guo Futian Rui can also get better market returns. If you don't have the risk tolerance, you can buy some government bonds or 16 10 10 bond funds such as Guo Fu Tianfeng and ICBC Tian Li, and you can get more than 6% market income every year. If you want to get good returns, you must pay attention to: first, choose a fund company with good performance, and you must be in this good fund. For example, domestic fund companies such as Huaxia, Yifangda, harvest fund and Guo Fu are all top fund companies, and their products can generally outperform the market. Now Huaxia Bonus, E Fund Value Growth, Harvest 300 and Guo Fu Tianrui are all good fixed investment varieties. Of course, the safest margin is a closed-end fund with a high discount,18722,500165438+. Second, we must choose the right time to buy. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money. Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, there is little risk in buying funds near 3000 points on the Shanghai Stock Exchange, but the area between 4000 and 5000 points is a high-risk area, so it is right to redeem them at any time after long-term work. It is ok to buy funds for long-term investment. For example, last year, the income of Huaxia dividend reached 79%, and the income of fixed investment also reached 25%. Since the fund was issued and held in 2005, the average annual income has exceeded 60%. Therefore, it is necessary to buy funds for long-term investment. Although this year's earnings are difficult to predict, it mainly depends on the trend of the stock market this year. However, the market return of about 10% when buying a fund every year is still predictable.