When college students buy a fund, they can make a fixed investment first, because they don't have much money at hand. . The fund's fixed investment income is higher than that of the deposit bank, and it also has the function of helping you to make compulsory savings every month!

If you want to reduce the handling fee, you can buy the back-end fee, that is, trade first and pay the handling fee later, but only if you are prepared to hold the fund for a long time.

The premise of good return is that you want to buy a good fund, the market is good and the return is faster. Judging from the current market situation, I suggest you wait and see first ~ ~

How many funds are recommended below?

If you are optimistic about the China stock market, then choose partial stocks or index funds. In the long run, stock funds fluctuate greatly, and their returns are also large, so it is more appropriate to make regular fixed investment. As the fund is an investment, as long as it is an investment, there are risks, so please think carefully before choosing which fund to invest in.

At present, it is difficult for the market to make a big breakthrough. In another six years, the stock market will definitely pick up.

Mr. Sai suggested:

Xingye Trend Investment, Huaxia Return, Huabao Xingye Multi-strategy Growth, Zhongxing Bonus, Boss Theme Industry, Great Wall Brand Optimization, Harvest 300, etc.

The following are recommended for reference only:

1, Huaxia dividend, Huaxia return

We expect that the second half of the year will be a market adjustment, with limited room for decline, but it will be greatly affected by the macro economy. Therefore, it is necessary to choose an industry sector with strong market correlation and weak cyclical contact. Therefore, it is recommended to choose Huaxia dividend or Huaxia return of Huaxia series.

If you invest 200-300 yuan every month for 3-5 consecutive years, you can consider investing in Huaxia bonus. The fund's value investment concept for listed companies with stable profit growth and high dividends is more in line with the current stock market hotspots and possible future development directions. The fund's income growth rate in the past year is 40.40%, ranking third among similar funds. The operation style is positive and steady, and its decentralized asset allocation can effectively avoid the unsystematic operational risks brought by the excessive concentration of investment in a single industry and stock in a volatile city, while high positions can enable it to seize the opportunity in time and enjoy the oversold rebound income; If you invest another 2,000 yuan, you can consider investing in debt-based funds with low risk and recommend Penghua Putian bonds. Although the fund can invest in the stock market at a ratio of 20%, its stock position never exceeds 1%, and its investment target is limited to low-risk new shares. Its emphasis on risk can be seen. For a long time, its return performance is stable, its annualized volatility is at a low level among similar funds, and its risk-adjusted return (Sharp Index) continues to be in the forefront, especially since 2007, it ranks first among all bond funds, which is not bad.

2. Harvest CSI 300 and Huaxia SME ETF

If we consider it in the long run, the overall macroeconomic situation will inevitably improve. I suggest you choose index fund products. I suggest you choose Harvest CSI 300 or Huaxia SME ETF. However, it should be noted that fund products are long-term investment products, but it is not recommended that you completely ignore them and still need to reconfigure them under changing conditions.

Huaxia SSE 50ETF adopts the passive operation of tracking the benchmark index, and its strict investment discipline limits the impulse of fund managers to actively invest to obtain excess returns, and also avoids unnecessary transaction costs, which is helpful to protect the investment income of holders. It is the first choice for long-term investment.

If you have a CCB card, you can buy a fund that CCB sells on a commission basis. The following is the detailed fund name: /question/29866345.html? si=8

At the same time, CCB's card also supports the payment methods of many fund companies, and you can also buy funds directly from fund companies ~ ~ You must open an account first, and each fund company can open an account once. All funds under the same company share this existing account, and you can buy it online after opening an account, but you must go to the counter for the first time.

At present, funds are generally traded online. First of all, make sure that you have opened an online banking and fund account, and there is enough money in the fund card to log in to online banking. Please follow the following steps:

If it is the first time to use it, you must first associate the securities card with online banking:

Investment and Financial Management-> Securities Card Management-> Securities Card Signing-> Fill in Personal Information-> Confirm

This is not the first time to use it or the previous step has been completed:

Investment and financial management-> fund business-> fund subscription (subscription)-> select a fund company, fund name, fill in the fund share-> Next-> and then follow the prompts.

Note: After purchasing funds online, you must confirm whether the purchase is successful after three days. Although the probability of unsuccessful purchase is less than 1%, take precautions.