At present, there are many channels for fund sales, including fund companies, banks and third-party fund consignment companies. Among them, the bank rate is high and the fund company has little funds, so the individual recommends the website of the third party organization, which has comprehensive funds and low rates.

(2) Choose a fund

Confirm the fund type: how should a novice choose a fund for various funds? First, you need to confirm your risk tolerance and financial objectives, and then determine the type of fund to invest in. The risk is arranged from high to low, and there are the following types of funds: stock funds, balanced funds (stocks and bonds), bond funds and monetary funds. Of course, the more risky the fund type, the higher the income may be.

Look at the experience of the fund manager: by understanding the historical performance of the fund manager of this fund, we can see the management level of the fund manager. Generally speaking, if a fund manager can rank in the top 1/3 of similar funds for three consecutive years, then the strength of this fund manager should still be trustworthy.

Look at the fund company: Understand the past earnings of all the funds under this fund company, and basically you can judge the prospects of this fund. If the fund company has achieved sustained returns for investors for a long time, then the fund company should still be good.

Look at the performance of the fund: look at the annual income fluctuation and related risk coefficient of the fund in recent years. Generally speaking, it is usually measured by three indicators: standard deviation, beta coefficient and Sharp index. The smaller the standard deviation, the better, and the risk of bag fluctuation is small; Beta coefficient is less than 1, the smaller the risk; The higher the Sharp index, the better, which means that the higher the return of the fund after considering the risk factors.

(3) Opening an account

There are three places to open an account at present:

Bank/online banking: You can use your ID card to buy all the funds sold by this bank.

Agent: You can register your account on the website of a third-party agent, and then bind your bank card, so that you can buy most funds on the market.

Fund companies: relatively limited. A fund company can only open one account, and can purchase all the funds under the fund company.

(4) Methods for purchasing funds and confirming investments.

Generally speaking, it can be divided into single investment and fixed investment. The advantage of fixed investment is that for high-risk funds, regular fixed investment can reduce risks and be more secure.