Fund investment has become the choice of more and more people. This paper will introduce the basic concepts, types and investment methods of funds to help investors better understand the fund market and make wise investment decisions. The following small series brings how to invest in funds for novices. Let's take a look at it together, hoping to bring some reference.

How do novices invest in funds?

1. First, choose the type of fund. Secondly, don't buy too many funds of the same type, because it is difficult to spread risks by buying too many funds of the same type. The higher the general similarity, the higher the probability of rising and falling together.

2. Choose excellent fund managers. Look at the fund manager's past performance, experience and background information.

3. Look at the performance ranking of the fund. Generally speaking, it depends on the ranking of the fund and the performance ranking of the fund in the past year and three to five years. It is relatively good to choose the top 25% funds for five years, three years and one year.

Introduction to How Beginners Buy Funds

1. First, make clear the types of funds. The easiest way is to look at the investment target. In other words, the fund invests in stocks (equity funds), bonds (bond funds), stock bonds (balanced funds) or money market funds. The expected returns and risks of the above-mentioned types of funds are stock-type, balanced-type, bond-type and money-market funds from high to low.

2. Secondly, who is the fund manager? The trading qualification, stock selection concept and stability of fund managers will all affect the performance of funds. It is suggested to inquire about the basic information and qualifications of fund managers on the websites of fund companies first, and learn more about the style and past performance of fund managers.

3. Third, understand the risk coefficient. Risk coefficient is an index to evaluate fund risk, which is usually expressed by standard deviation, beta coefficient and Sharp index. Beginners only need to master the following principles: the smaller the "standard deviation", the smaller the risk of fluctuation; "Beta coefficient" is less than 1, so the risk is smaller; The higher the sharpness index, the better. The higher the index, the higher the return of the fund after considering risk factors, which is more beneficial to investors.

4. Finally, find out the significance of fund performance trend outperforming the broader market. The significance of "comparison chart of fund and market trend" is to let investors check whether the long-term performance of the fund outperforms the market. So this chart should be a complete chart based on the establishment date. In addition, you can also compare the fluctuation range of the fund trend.

5. If the fluctuation of the fund is greater than that of the market, it means that the fluctuation of the fund is greater than that of the market and the risk is relatively greater. On the other hand, in fact, some funds are not suitable for comparison with the broader market, and there is a problem of choosing a suitable benchmark for comparative performance.

6. For example, many foundations invest in some bonds. In this case, it is inappropriate to use the market index completely when choosing the performance comparison benchmark, and the comparison will be misleading.

How to buy a fund to make money?

Tips for buying funds to make money are:

1, high throw and low suck, buy when index funds are low, sell when index funds are high, and high throw and low suck are suitable for investors with a certain investment level, because it is difficult to grasp the trading opportunity;

2. Long-term holding. Historically, holding funds for a long time has a greater probability of gaining income. Long-term holding does not require high investment level for investors, but we must pay attention to the investment cycle.

Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses.

How do novices buy funds

1. Choose a good fund platform: investors can choose a suitable fund platform according to their own wishes. 2. Choosing a fund: After choosing a fund platform, you need to know the basic knowledge of the fund and choose a fund suitable for your investment according to your actual economic situation. 3. Opening an account: you need to open an account after selecting a fund. You can choose a reliable fund company to open an account. 4. Subscription: After opening an account, you can choose your favorite fund for subscription. How to buy a fund: 1, choose a good fund platform: investors can choose a suitable fund platform according to their own wishes. 2. Choosing a fund: After choosing a fund platform, you need to know the basic knowledge of the fund and choose a fund suitable for your investment according to your actual economic situation. 3. Opening an account: you need to open an account after selecting a fund. You can choose a reliable fund company to open an account. 4. Subscription: After opening an account, you can choose your favorite fund for subscription. How to buy a fund: 1, choose a good fund platform: investors can choose a suitable fund platform according to their own wishes. 2. Choosing a fund: After choosing a fund platform, you need to know the basic knowledge of the fund and choose a fund suitable for your investment according to your actual economic situation. 3. Opening an account: you need to open an account after selecting a fund. You can choose a reliable fund company to open an account. 4. Subscription: After opening an account, you can choose your favorite fund for subscription.

How to buy a fund?

1. Before purchasing a fund, investors need to carefully read the prospectus, fund contract, account opening procedures, trading rules and other documents related to the fund, and all fund sales outlets should provide the above documents for investors to consult at any time.

2. Individual investors should carry the debit card of the agent bank and valid identification documents (ID card, military officer's card or armed police card), and institutional investors should carry the original business license, organization code certificate or registration certificate, as well as the copy of the official seal, power of attorney, agent's ID card and copy of the above documents.

3. Bring the preparation materials. Customers fill in the Application Form for Fund Business at the bank counter outlets, and then receive the business receipt. Individual investors also need to get a fund trading card and go to the counter to receive business confirmation two days after handling the fund business. Units or individuals can engage in fund subscription and redemption after receiving business confirmation.

4. After completing the preparation for opening an account, citizens can choose their own time to purchase the fund. Individual investors can bring the debit card and fund trading card of the correspondent bank to the counter of the agency outlet to fill in the fund trading application form (institutional investors need to affix the reserved seal), and must submit the application before the day of subscription 15: 00, and the counter will accept and receive the receipt of fund business. Two days after handling the fund business, investors can print the business confirmation at the counter.