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 higher, and the fund company has less funds. Individuals recommend the third-party agency website.

The funds sold are comprehensive and the rate is low. At present, the mainstream fund consignment websites include Golden Cat and fund trading.

Net, Tian Tian Fund, etc. They are all good fund trading platforms.

Confirm the type of funds

In the face of complicated funds, how should novices choose? First of all, you need to confirm your risk tolerance and financial goals.

Standard, 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 and balanced funds (stocks and bonds).

, bond funds, money funds. Of course, the more risky the fund type, the higher the income may be.

How to check a certain type of fund in the market, you can go to the fund institution website to check, based on

For example, Golden Cat, enter the ranking page, click on the stock type, and all stock funds are displayed in the list.

Look at the experience of fund managers

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 fund companies again.

Knowing the past income of all funds under the fund company can basically judge the former of this fund.

Scene. If the fund company has achieved sustained returns for investors for a long time, then the fund company

It should still be good.

Look at the performance of the fund.

Look at the fund's annual income fluctuations in recent years, as well as related risk factors. Generally based on standards.

Difference, beta coefficient and Sharp index. The smaller the standard deviation, the better, and the risk of bag fluctuation is small; Beta system

If the number is less than 1, the risk is smaller; The higher the Sharp index, the better, which means that the higher the return of the fund after considering the risk factors.

There are three places to open an account at present:

Bank/online banking, bring your ID card to the bank and you can buy all the funds sold by this bank.

Consignment: register an account on a third-party consignment website, and then bind a bank card, which can be purchased in the market.

Recommend some funds.

Fund companies are relatively limited. A fund company can only open one account and can buy subsidiaries.

All the money.

Buy a fund and confirm the investment method

Generally speaking, it can be divided into single investment and fixed investment. The advantage of fixed investment is that for high-risk funds, fixed investment is made regularly.

Capital can be risky or safer.

Knowing the above steps, novices can basically solve the problem of how to buy funds. Finally, investment is risky, so please be cautious.