You can't open an account, but you can borrow your parents' ID cards to open an account or buy and sell funds. It is best to choose bond funds. The risk is relatively small, the East is steady, and Hua Fu is profitable. Guo Fu Tianfeng is the most suitable variety for students, and its annual income will exceed 6%. Novices can open Shanghai and Shenzhen trading accounts in securities companies trading funds with their ID cards, and can invest in funds in banks with their ID cards. The minimum purchase of trading funds on the floor is 65,438+000. For example, the current closing price of 1607 16 is about 0.77 yuan, and more than 80 yuan is enough to buy 100 copies. The minimum fixed investment of OTC funds is 100-300 yuan, and different banks will have different regulations. At present, there are three main channels to buy open-end funds:

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 600 kinds of open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, eight ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%.