Simply put, how to manage the fund simply, I hope it will help you:

First of all, with your ID card, go to the bank to apply for a bank card and open online transactions. Any bank will do. But if you build a volunteer bank and buy it online, the handling fee will be 60% off. Why don't you save it yourself? Although other banks can also get a 60% discount, ICBC is a bank that everyone can trust, hehehe. It's far. Let's deal with it nearby. Hehehe, convenient.

Second, you can agree on a fund purchase agreement with ICBC to stipulate the deduction time. Choose a fund first, and make a fixed investment every month. The minimum 200 yuan is enough. Now that you are a student, you have no source of income, only pocket money. It's good to invest 200 yuan in a fund every month. You just need to make sure that there is enough money on your card during the monthly deduction period. Every month, when the agreed deduction period is reached, the bank will automatically deduct the money on your card for purchasing the fund.

If you need to inquire about the purchased funds, you can log in to Bank Online Banking-Personal Banking-Wealth Management Products-Funds. You can also apply for exchange here. The general processing cycle is T+ 1 working day. After the redemption application, your funds will be returned to your card in about seven days.

Third, login to online banking to buy funds, the steps are the same. Log in to Personal Bank-Wealth Management Products-Funds and enter the code or name of the selected fund to view and purchase;

Fourth, directly enter the fund company's network and buy under the fund company. The advantage of this is that you don't need to sign a contract with the bank, just make sure to open online transactions. Purchase and redemption are very convenient, generally T+ 1. After redemption, the funds will be returned to your card within seven days.

Direct access to the fund company's online purchase, the handling fee is 60% off, hehehe, as I have always said, all the savings are my own.

Pay attention to the following points when buying funds:

1, don't buy newly issued funds, choose funds that have been listed for a long time and have certain performance, because only those who have experienced risks and have not fallen down are the best;

2. Compare before buying and choose the one that suits you. It is best to conduct a "risk tolerance assessment". This is available on the website of the fund company. I bought it under "Shangtou Morgan Fund Company", and the knowledge inside is more comprehensive. You can go and have a look. But there are also other fund companies that choose funds according to their own assessment results, which is beneficial to you;

3. Check the past performance of the fund, the situation of fund managers, recent trends and recent dividends. Only by knowing ourselves and ourselves can we be invincible;

After buying a fund, don't think about selling it, but hold it for a long time. If it is a purchase, it must be held for at least one year. If it is a fixed investment, it must be held for at least three years, so as to effectively spread risks and bring you greater benefits. Also, be sure to choose "dividend reinvestment". I believe everyone knows the power of "compound interest". Simply put, if we start now, we will. According to the conservative rate of return of 15% per year, there will be 140097 yuan in ten years. According to the annual conservative rate of return of 10%, there will be 105 187 yuan in ten years. Hehehe, this is the advantage of long-term holding. The longer you hold it, the greater the gain.

Finally, I recommend you two books, which will be of great benefit to you and benefit you a lot in your later life. What will you support yourself after 30 years? Qian Qian the dog? These books are based on people's real life, so that you can realize the importance of financial management from small stories, so as to correctly establish your own concept of financial management.

Believe in yourself, don't give up your ideas because of the negation of others, but move forward unswervingly towards your own goals, so as to succeed and not fall down because of the little bumps in your future life.