There are many uncertainties in stock fund investment. When risks appear, investors should consider transferring funds to low-risk money funds for hedging. Compared with other products, the money fund has the advantages of low risk, strong certainty of income and high liquidity. The following small series will sort out how we use the fund to manage our finances, hoping to help you. Welcome to read the reference study!

How do we manage money with funds?

Set investment goals and risk tolerance: First, you need to determine your financial goals, such as long-term asset appreciation and short-term profit. And assess the risks you can bear.

Research fund products: understand different types of funds, including their investment strategies, historical performance, risk levels, fund managers and other elements. Compare the characteristics and cost structure of different funds.

Choose the right fund: according to your own needs and goals, choose the right fund type and specific fund products. You can refer to fund rating, fund manager qualification and performance as reference factors for selection.

Opening an investment account: Choose a suitable investment platform or financial institution to open a fund investment account. You can choose financial institutions such as securities companies, fund companies and banks, and choose appropriate channels according to your own preferences and needs.

Transfer funds to investment account: transfer the funds you intend to invest to the opened investment account.

Regular fixed investment or one-time investment: according to your financial situation and financial planning, you can choose regular fixed investment and purchase fund shares regularly every month or quarter; Or make a one-time investment and purchase a certain number of fund shares at one time.

Monitoring and adjustment: Pay regular attention to the performance and market situation of the fund, and adjust the asset allocation in time according to personal situation and market changes. You can choose to regularly check the performance of the fund's net value and related benchmarks, or consult a professional financial consultant.

What are the buying channels of the fund?

Securities companies: by opening securities accounts in securities companies, they use their internet securities trading platforms to conduct fund transactions.

Fund Company: Buy its fund products directly from the fund company, which can be purchased offline or online through the fund company official website and mobile App.

Banks: Many banks provide fund sales and trading services. You can buy funds through the bank's counter, online banking or mobile banking.

Third-party financial platforms: Some Internet financial platforms provide sales and trading services for fund products, and investors can purchase and manage funds through these platforms.

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 inquire about 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.