How to invest in fund financing, how to invest in private equity funds and how to make money?
How do novices buy funds?
1, product type selection;
In the early stage, low-risk products such as money funds, bond funds and capital preservation funds were the main products. The main reason for this choice is that it is more appropriate to start with low-risk products when the risk tolerance in the early stage is not clear.
Investors will not suffer substantial losses when investing in money funds, bond funds, capital preservation funds and other products. At the same time, we can better understand the types of fund products, understand the fund's model and investment.
After investors gradually became familiar with various fund products, they upgraded from "novice" to "veteran", and then gradually expanded to index funds, hybrid funds and stock fund products.
2. Experience in trading methods;
In the early stage of product trading, there are mainly basic functions such as how to open an account, how to buy it, how to redeem it, and understand the basic process from opening an account to buying a fund, inquiring about assets, inquiring about expected annualized expected returns, and selling it.
As a beginner, it is suggested to start with Internet account opening and trading, and you can choose an independent sales organization (such as Tian Tian Fund, Haobu, Jubao, etc.). ) to experience the function of fund trading.
After upgrading from "novice" to "veteran", you will experience many innovative functions such as conversion, fixed investment, reservation, T+ 1 redemption. Experience all kinds of functions, or on the premise of "choosing the right products", because functions can only optimize the expected annualized expected income, and "products determine the expected annualized expected income".
3. Learn to compare horizontally;
Novices must know more about all kinds of fund product information and all kinds of sales organizations, and learn to compare horizontally.
For example, the comparison of similar products, such as the same investment in gold products, QDII, ETF, LOF, the characteristics of different products are completely different. Only by comparing with each other can we better choose the fund that suits us.
For example, the comparison of sales organizations shows that the difference of sales organizations is the main difference of functional experience, for example, some support T+0 redemption, and some are just ordinary redemption. Some support rich fixed investment functions, while others only have ordinary functions.
Through horizontal comparison, we can better understand the fund information, sales channels and functional experience. I believe it will be of great help to the growth of novices.
The five common skills in the industry are as follows:
(1) Back-end subscription and long-term holding. Funds can be divided into front-end expenses and back-end expenses. Generally speaking, after holding the fund for a certain period of time, the subscription fee can be exempted, which is equivalent to buying the fund at zero cost. But for investors with short investment period, back-end charging is not cost-effective.
(2) Be optimistic about the fund and act as soon as possible. For the same fund, the subscription fee at the time of issuance is often cheaper than the subscription fee afterwards. If you are optimistic about a fund from the perspective of cost saving, you can subscribe at the time of issuance.
(3) Dividend investment and rolling profit. Fund dividends include cash dividends and dividend reinvestment. Dividend reinvestment can not only avoid the subscription fee of reinvestment, but also enjoy the next dividend of the fund share obtained by reinvestment. If the investment period is long, it is recommended to choose dividend conversion.
(4) Use conversion skillfully to save costs. It takes five working days for investment funds to be redeemed first and then purchased; It only takes 2 working days for the fund to be converted. In addition, the fund conversion rate is mostly lower than the subscription rate, which saves both cost and time.
(5) Online purchase saves time and effort. Online fund transactions have certain benefits, and more importantly, online fund purchases can save a lot of time. For modern people with a fast pace of life, saving time is equivalent to saving money.