How do newcomers choose funds?
First: Understand the types of funds.
Funds can be divided into money funds, bond funds, mixed funds, index funds and stock funds according to investment types. There are many types of funds, and investors need to choose the right fund to invest. Different types of funds have different risks, generally including low risk, medium risk, medium risk and high risk. Investors can choose according to their risk tolerance.
If you want to focus on stability and security and don't want to take too many risks, it is recommended to choose money funds and pure bond funds; If you want to pursue high returns, you can choose stock funds, index funds and hybrid funds.
Second: Choose a fund manager.
Buying a fund means giving the fund in your hand to the fund manager to buy stock investment. The reason why the risk of fund investment is lower than that of buying stocks directly is because a fund has many stocks, which disperses the investment risk. Therefore, the first thing to choose a fund is to choose the right fund manager. You can look at the historical performance of the fund manager and the previous rate of return to judge the management ability of the fund.
What fund is better for newcomers to buy?
For newcomers' investment funds, it is recommended to invest in low-risk funds, such as money funds and bond funds. The loss of the money fund is very small, and its risk can be basically ignored. If you hold it for a long time, you can basically make a profit without losing money. If you want to get high returns directly, you can buy stock funds or index funds. It is best to know something about funds before investing, because if you invest too much money, the loss will be higher in one day.
As a newcomer to Xiaobai Investment Fund, you must not chase after the ups and downs, and it is easy to get stuck. Don't think that this fund has a good increase at this time, just buy it actively, and the result will start to fall sharply the next day. All of the above are about "how do newcomers choose funds and what funds are better for newcomers to buy?" I hope it helps you.