1. What is a fund: To put it simply, a fund means that you invest part of your money and give it to a fund company, and the traders of the fund company then use your money to invest, usually in the form of stocks.

It can also be summarized as you pay professionals to trade stocks for you.

So choosing a good fund company is very important!

2. How to calculate profits and losses: If you make money, you will be given corresponding dividends based on the difference between the number of shares you bought, the net value of the unit on that day, and the net value on the redemption date.

If you lose, you will also have to share the loss based on the difference between the number of shares purchased and the net worth.

3. Other fees: A certain handling fee will be charged when purchasing, usually 0.012 per share, and the handling fee when redeeming is 0.005. For example, if the net value of the unit on the day of purchase is 1 yuan, you bought 10,000 shares.

(One *** is 10,000 yuan). You need to pay a handling fee of 170 yuan per ***.

If you use online banking to purchase, there will be a corresponding discount, and the handling fee is about 110 (the regulations of each bank are different, for reference only) 4. Fund period: generally divided into three periods: subscription period, operation period (closed period), and subscription period

stage.

There is a subscription period at the beginning, usually about half a month. During this half month, you can only buy but not redeem (sell). The purchase price is usually 1 yuan.

Then it enters the operation period (closed period). During this period, the fund company uses your money to build positions. It can also be said to be a preparation period, which generally does not exceed three months. After opening, most funds will increase, and some

It will fall back to 0.9* or lower. Don't think you have lost money at this time, because your investment has just begun.

Next, enter the subscription period, and you can buy and sell freely at this time.

5. Risks: There are definitely risks, because if you make money, you will lose money. It mainly depends on the strength and operating conditions of the company you choose.

But objectively speaking, fund investment is a long-term investment. Unlike stock trading, it is easy to make money and lose money.

Because the stock market has been bullish in the past six months and has been in a virtuous cycle, basically no fund has suffered a long-term loss, provided that you have invested for at least half a year.

6. Specific example: For example, for Invesco Great Wall, the buying price on December 7 was 1.117, and it started to fall continuously from December 8, because the entire stock market was also bearish, and it continued to rise from December 11.

By December 15th, it is 1.186, which means that if you redeem it between December 7th and 11th, you will definitely lose money. From December 11th to 13th, the net value of the unit will increase to 1.134, and you can earn the handling fee.

, the difference from 1.134 to 1.186 is your profit per share.

It may continue to fall after December 15th, and your profits will gradually shrink or even get lower.

The reasoning is that this is the rise and fall of the fund. The rise and fall of the fund is generally related to the rise and fall of the stock market. Not surprisingly, the relationship is directly proportional.

As the market continues to rise amid volatility, funds have also risen slowly (in the past six months).

7. How to buy: Generally, it is a bank agent, and different bank agents have different types of funds; or you can buy it directly at a designated location of the fund company.

When purchasing at a bank, take your ID card and a debit card with the purchase amount on it and go to the window.

The time is from 9:30 to 11 o'clock in the morning, and from 1 to 3 o'clock in the afternoon (it seems to be, I can't remember it lightly) 8. Other questions: Fund reinvestment: refers to funds that have fallen back after paying dividends. This kind of fund

The price that will lag behind is generally similar to that of the newly issued one. The advantage is that the preparation period of 2 or 3 months is eliminated and you can buy and sell freely. The disadvantage is that the buyer often pays a little higher than the 1 yuan when the new issue is issued, but it is not

It would be too high.

Dividend issue: When the price falls, the profit has been returned to you based on the difference between the number of shares you bought and the net value of the unit, so you don’t have to worry about the redemption period before the dividend.

For example, if you spend 1 yuan to buy 10,000 shares (10,000 yuan), and half a year later, the unit net value drops back to 1 yuan after dividends are distributed on the day when the unit net value is 1.717, then after deducting the 0.017 handling fee, you earn 0.7 yuan per share, or 7,000.

This part of the profit will become your fund shares if you plan to continue investing, and will be realized if you redeem it.