1, fund classification
Funds can be divided into Public Offering of Fund and private equity funds according to their issuance methods. Public Offering of Fund's participation threshold is low, generally starting from 1 yuan, and it is also the main fund type for ordinary investors to participate.
According to the type of investment, it can be divided into four categories: money fund, bond fund, mixed fund and stock fund, and the investment risk increases in turn. Among them, money funds and bond funds are more suitable for beginners to buy.
In addition, according to investor strategy, it can be divided into active funds and passive funds, and according to whether to apply for redemption, it can be divided into open-end funds and closed-end funds.
2. Fund purchase channels
Fund purchases are divided into on-site and off-site. On-site usually refers to the stock exchange, while off-site mainly includes fund companies, banks, third-party consignment platforms and other channels. LOF funds, ETF funds and closed-end funds are mainly purchased on the spot, while other open-end funds can be purchased off-site.
The rates and transaction prices of OTC and OTC purchases are different, and the rates of purchasing the same type of fund products through OTC channels are also different. General fund companies have the lowest direct selling rate, the highest bank consignment rate and moderate third-party platform rate.
3. Fund investment model
When buying a fund, you can choose a one-time purchase or a fixed investment. One-time buying requires investors to have strong fund selection ability, and the investment risk is higher than the fixed investment, so it is necessary to stop loss in time. The fixed investment of the fund belongs to the lazy investment law, which is not only profitable.
The above knowledge about what to know about buying funds, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.