1. Basic knowledge of systematic learning fund. Only knowing what you are investing in is a responsible investment attitude. This is responsible for yourself and your money bag. Investor education can be found on the websites of fund companies and fund networks (such as Morningstar, Tian Tian Fund Network, Gold Fund Network, Jimmy Fund Network and China Fund Network).

2. After you have a basic understanding, you should first do a risk test (this procedure is generally available when purchasing funds through various channels). Understand your own risk tolerance, and then choose the corresponding risk level of fund varieties, such as high-risk and high-yield index funds, stock funds, mixed funds with slightly lower risks, bonds with moderate risks, etc.

The initial capital of investment depends on your economic strength and the investment proportion of your family. Generally, one-time subscription is at least 1 ,000 yuan, and fixed investment is at least 200 yuan every month. Then choose the appropriate purchase channel. For example, if you have a little knowledge base and are used to your own judgment and operation, it is recommended to purchase through the online direct sales channel of the fund company. You need to prepare a savings card (preferably small banks such as Xingye, CITIC and Shanghai Pudong Development Bank, with a large discount), and open an account online on the website of the fund company. After the account is opened successfully, you can apply for funds and fixed investment funds immediately. Of course, in order to save trouble, you can buy through the bank agent channel, and the rate is slightly higher.

4. Buy a fund with a good brand reputation and top long-term performance under the fund type that suits you, such as Galaxy, Xingye, Guo Fu, Huashang, Huaxia and so on. The results can be found on the website of Morningstar China Fund.