Novices can bring their ID cards to securities companies to open trading accounts in Shanghai and Shenzhen, handle bank transfer custody procedures, and open online transactions, which are not limited to buying and selling any variety. They can buy and sell OTC funds and closed-end funds, government bonds, corporate bonds and so on. It is convenient for funds to come in and out, and it can avoid waiting for redemption for 4-7 days. If you are saving money, you can choose to make a fixed investment and bring your ID card to the bank counter. Generally speaking, there are two ways to invest in funds, single investment and regular quota. The method of regular quota is similar to the "zero deposit and lump sum withdrawal" method of bank savings. The so-called "fixed quota" means investing in the same open-end fund at regular intervals (such as 25th of each month) with a fixed amount (such as 500 yuan). Its biggest advantages are average investment cost and avoiding timing risk.

Advantages of periodic quota

First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By purchasing funds through regular fixed investment plans and increasing the investment value, you can "accumulate sand into a tower" and accumulate a lot of wealth unconsciously.

Second, automatic deduction, simple procedures. You only need to go to the fund agency to go through the one-time formalities, and the deduction subscription for each period in the future will be automatic.

Third, average investment and spread risks. The capital is invested on schedule, and the input cost is relatively average, which maximizes the risk dispersion. As a long-term investment tool, the fund has little risk. The lowest bid price 100 shares, like 163503, is currently closed in 0.5 yuan. It costs more than 50 yuan to buy 100 shares, and it is decided to invest in 100-300 yuan. The rules of banks and fund companies are different. Choose good fund companies, such as Huaxia Bonus and Harvest 300. As a long-term investment tool, funds have very rich long-term returns, such as 500,002,99. Since its issuance, the cash dividend has reached 3.43 yuan/share, with an average annual income of 34%. If you buy at a high level, such as the Shanghai Composite Index of 6000 points, you are currently losing money, so the timing of buying a fund and choosing a fund company are the most important and the key to profit!