Funds are also a common way to manage money, but buying and selling funds certainly requires certain skills. Knowing more about the fund market will make you more skilled. What are the ways to obtain funds? What are the benefits of buying a fund? The following is analyzed by Bian Xiao.

What are the benefits of buying a fund?

Risk diversification: Funds pool investors' funds and diversify investment risks by investing in various asset classes and securities. Fund managers will spread funds to different industries, regions or asset types according to investment strategies, thus reducing the risk of specific investments.

Professional management: funds are managed by professional fund managers or investment teams, who have professional knowledge and experience, study the market deeply and formulate and implement investment strategies. Investors can benefit from the professional management and investment decisions of fund managers.

Low threshold investment: the threshold for buying funds is lower than that for directly investing in individual securities or asset classes. When investors buy funds, they can choose suitable fund products according to their investment ability, so as to participate in more extensive investment in the capital market.

Daily valuation and liquidity: Open-end funds can be purchased and redeemed according to the daily net value estimation, and investors can adjust their investment at any time by buying and selling fund shares. This provides some mobility and convenience.

What are the ways to obtain funds?

Direct purchase: investors can directly purchase funds and hold fund shares through financial institutions such as securities companies, fund companies or banks.

Wealth management services: Private banks and wealth management institutions usually provide fund investment services. They will provide appropriate fund products and manage investment portfolios according to investors' needs and goals.

Online platforms: Many online investment platforms provide fund trading services, and investors can purchase and trade funds directly through these platforms.

40 1(k) plans and retirement accounts: In some countries, 40 1(k) plans or individual retirement accounts provided by employers also allow investors to choose investment funds.

When can the fund be sold?

General funds need to be sold on the next trading day after purchase, preferably between 2: 50 pm and 2: 59 pm on the trading day. The transactions of the fund before three o'clock shall be calculated according to the net value at the close of the day. At the end of the day, you can know the ups and downs of the fund that day by looking at the estimate of the fund's net value. If the fund goes up, you can choose to sell it and get more income. If it falls, it will be considered according to the actual situation.

The trading hours of the Fund are: 9: 30am-11:30am from Monday to Friday, and13:-15: 00pm in the afternoon. Trading is not allowed on weekends and legal holidays.

What are the ways of fund sales?

1, set the take profit point.

The fund is automatically sold when it reaches its profit target. Before investing, investors are advised to plan the expected income target, and once they reach this point, they will sell all of them, so as to ensure the income and prevent the fund from falling or even losing money.

2, important pressure to sell

For example, when it rises to the previous high point, it is short. You can sell the fund by taking profits.

3. Choose a suitable sales time.

Some of the sold funds arrived on the day of T+ 1, while others arrived on the day of T+2 and T+3. Investors should also pay attention to the time when selling. For example, if a fund T+ 1 arrives and wants to redeem it before the National Day holiday, it needs to be sold before 3 pm on September 29th. If it is sold after 15:00, it may not arrive until after the National Day holiday.

Step 4 sell in batches

This method is suitable for investors who don't know whether the subsequent foundation will rise or fall. The purpose of selling in batches is to prevent investors from regretting their misjudgment.

One-time purchase and fixed investment of funds

One-time purchase generally means that investors invest a large sum of money to buy funds at one time. The investment threshold is relatively high, but the characteristics of high income and high risk are also prominent. The advantage of one-time buying is that you can invest a certain amount of money at one time, concentrate on investment, reduce investment costs and transaction costs, and get investment income quickly. But the disadvantage is that if the buying time is not good, you may miss the best investment opportunity, resulting in low returns. At the same time, due to the large purchase volume, the fluctuation of some fund products may also lead investors to face relatively high risks.

Fixed investment of the fund refers to the way of fixed investment of the fund on a regular basis. Investors don't need to invest a large sum of money at one time, and both the amount of money and the threshold are more suitable for ordinary investors, with lower risk. In the process of fixed investment, investors can choose stock funds or new funds according to their actual situation, and at the same time, they can achieve the effect of average buying, and can also digest market fluctuations and risks in a timely and effective manner. At the same time, in the process of fixed investment, with the continuous investment of funds, we can realize equal regular investment, enhance the value of accumulated assets and earn higher returns.