2. You can also open online banking in the bank and buy online at home.
3. It can also be purchased online on the website of the fund company.
Bank of Communications charges low, services are good, and there are many consignment funds. You can go to Bank of Communications to open online banking.
China Merchants Bank's online banking is more professional and can be opened in China Merchants Bank.
The market has been adjusted recently, so caution is recommended.
The adjustment will continue, and the market outlook is still unclear. Experts suggest that if the fund held by investors has lost money, there is no need to cut the meat and stop the loss, and at the same time, don't blindly buy low-priced funds. Keeping on the sidelines is a wise choice for fund investment in the near future.
If you are in a good mood and plan to make long-term investment, it is no problem to buy now. You can buy Guangfa Jufeng, Bosera Select or Bosera Theme Industry. You can go to Jimi.com, Ku.com, Tiantian.com and Morningstar.com to learn about the performance, ranking and fund managers of each fund.
In the current situation of stock market volatility, I suggest you:
1. The bull market gives priority to index funds. Statistics show that 80% of funds underperform the Shanghai Stock Exchange Index, so don't expect to choose 20% excellent funds, even if they outperform the index, it is only temporary. In the United States, fund managers who can outperform the index by 5 percentage points for five consecutive years among more than 2,000 funds are introduced as legends.
2. Before buying a fund, you must know whether the fund is a stock fund or a configuration fund. If you choose a configuration fund, don't blame the fund manager for the small increase.
3. Except for index funds, the long-term returns of active funds tend to converge. Remember, if a fund's performance is not good, the life of the fund manager will be more difficult than yours. If he is more anxious than you and his performance continues to be poor, they will be fired. A new manager means a change in investment ideas, and the characteristics of the fund will be completely changed. At present, domestic fund managers are very mobile, so it is difficult for any manager to work for two years in a row, so don't ask me if a fund is suitable for long-term holding. I don't know how many managers have changed in ten years, and my investment ideas have changed several times. It is impossible to judge the quality of the fund.
4. If several new funds are issued at the same time, it is best to choose the first fund of the new fund company. PetroChina and Australia are good examples.
5. Don't care too much about the net value of the fund. 10 yuan's fund return rate is the same as that of 10000 yuan. For a fund with 10000 yuan, 0 yuan will buy10000 or10000 funds for one day. Because an increase of 2% or a decrease of 2% is calculated according to 1 ten thousand yuan. Moreover, there is a reason why one fund can rise to 10 yuan and the other fund hovers around 1 yuan, which shows the difference in their past performance. This difference will not change because of your intervention. 10 yuan will still go to 20 yuan, 1 yuan will only be in 1 yuan.
6. Don't think that bonds or money funds are ideal investment varieties. The yield of bond funds is similar to bank time deposits, and it takes some time to calculate your income. The yield of money funds is the same as that of bank deposits, so if investors want to buy the above two funds, they might as well deposit them in the bank.
7. Don't doubt the ability of the fund manager. Fund managers are all graduate students from famous universities and have worked in large securities companies for more than ten years. There is no possibility that the long-term income is lower than that of ordinary small investors. Now, especially in the first half of this year, some new investors have made a lot of money, so Ji Min thinks it is not cost-effective to buy funds, and the ability of fund managers is not good. This is a very wrong view. The income of new investors is based on ultra-high risk, and this investment idea will pay off sooner or later. Of the 10 people in the stock market, only two will always make money.
8. Don't expect yourself to sell high and suck low. The market operation is often contrary to people's expectations. Buffett's stock rose from 20 yuan to 654.38+10,000 yuan, not all the way up, but also experienced the time when 800 fell to 400 and 2000 fell to 500, but Buffett didn't buy or sell, and kept it, even the stock god didn't consider throwing it too high or sucking it too low. Who are we to predict trends? Bull market is the worst. Instead of thinking about throwing high and sucking low all day, it is better to hold it honestly and be a confused investor.
9. With regard to the fixed investment of the fund, no effect can be seen in less than three years. Moreover, as far as the current China stock market is concerned, it is extremely uneconomical to redeem after five years, because the China stock market may be in a downward channel after five years, so I suggest that everyone stick to the fixed investment of 10 years or so, so the income is very amazing. Regarding the choice of fixed investment funds, I suggest choosing funds of large companies. For those fund companies that can exist for more than 10 years, it doesn't matter which fund it is, because the investment style of the fund is constantly changing with the continuous rotation of fund managers.
10. Don't doubt what the fund company will do if it goes bankrupt. This is a very boring assumption. First of all, fund companies are established by large domestic financial institutions (four major banks and securities companies) and will not go bankrupt easily. Doubt that BOC International Fund Company will close down means doubt that China Bank will close down. Secondly, even if it goes bankrupt, your money is safe, and other fund companies will take over your investment share.
1 1. Get rid of the idea of abandoning funds to buy stocks. More than 90% of ordinary retail investors buy stocks for more than three years, and the yield is much lower than that of buying funds. Stocks are far more complicated than you think. Bull market may make money for dogs, and bear market may make money for funds. Don't envy some investors who earn a lot of money. Sooner or later, they will vomit. This is the iron law.
12. Finally, tell everyone a data: Buffett, the world-recognized stock god, has an annual yield of 24%. Therefore, the so-called stock god around you is only temporary, and sooner or later it will be returned to its original shape. With a normal long-term investment fund, don't expect to make a fortune by investing.