1. What is a fund? Simply put, a fund means that you invest some money in a fund company, and the traders of the fund company use your money to invest, usually in the form of stocks. You can also sum up paying for you and hiring professionals to stock for you. So it is very important to choose a good fund company! \x0d\\x0d\2。 How to calculate the profit and loss: if you earn it, you will be given a corresponding bonus according to the number of stocks you buy and the difference between the unit net value of the day and the net value of the redemption date. If you lose money, you should also share the loss with the difference between the number of shares subscribed and the net value. \x0d\\x0d\3。 Other expenses: a certain handling fee will be charged at the time of subscription, generally 0.0 12 per share and 0.005 at the time of redemption. For example, on the day of purchase, the unit net value is 1 yuan, and you buy 10000 shares (a * * is. If you buy through online banking, there will be a corresponding discount, and the handling fee is about 1 10 (different banks have different regulations for reference only) \ x0d \ x0d \ 4. Fund period: generally divided into three stages: subscription period, operation period (closed period) and subscription period. At first, it was a subscription period, usually about half a month. In this half month, you can only buy and cannot redeem (sell), and the buying price is generally 1 yuan. Then enter the operation period (closed period), during which the fund company takes your money to open a position, which can also be said to be the preparation period, which generally does not exceed three months. After opening, most of the foundation will increase, and some will fall back to 0.9* or lower. Don't think that you have lost money at this time, because your investment has just begun. Next, enter the subscription period, at which time you can buy and sell freely. \x0d\\x0d\5。 Risk: there will definitely be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose. But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is losing money for a long time, provided that you invest for at least half a year. \x0d\\x0d\6。 Specific example: Take Jingshun Great Wall as an example. The price 1. 1 17 bought on February 7 has been falling continuously since February 8, because the whole stock market is also bearish. From 65438+February 1 1 to 65438+February 15, that is 1. 186, that is, if you arrive at1/kloc on February 7, 65438. From 65438+February 1 1 to 13, you can earn commission. The difference between 1. 134 and 1. 186 is your share. It may fall after 65438+February 15, and your profit will gradually shrink or even be lower. Reasonable, 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, which is directly proportional to the accident. As the market continues to rise in a volatile state, the fund is also slowly rising (in the past six months). \x0d\\x0d\7。 How to buy: generally speaking, it is a bank agent, and different bank agents have different types of funds; Or buy directly at the designated place of the fund company. When buying in the bank, I hold my ID card and a debit card with the purchase amount written on it at the window. The time is from 9: 30 am to afternoon 1 1, and from afternoon 1 to 3 pm (it doesn't seem too easy to remember) \ x0d \ x0d \ 8. Other issues: \ x0d \ x0d \ fund reinvestment: refers to the fund that has paid dividends and then dropped back, this kind of fund. The disadvantage is that buyers are often slightly higher than the newly issued 1 yuan, but not much higher. \ x0d \ x0d \ dividend issue: when the price falls, the profit has been returned to you according to the difference between the number of shares you bought and the unit net value, so don't worry about the redemption period before dividends. For example, if you spend 1 yuan to buy 10000 shares (ten thousand yuan), you will pay dividends on the day when the unit net value is 1.7 17 after half a year, and then fall back to 1, then you will lose the handling fee of 0.0 17. This part of the profit, if you plan to continue investing, will become your fund share, and redemption will be realized.