Fund is one of the ways to manage money, and fund is an expert to help you manage money. Generally speaking, there are two ways to invest in funds, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

So what should investment funds pay attention to? There are seven points to pay attention to in investment funds.

First, correctly understand the fund risk. If you don't have enough risk-taking ability, it is recommended to buy partial debt and bond funds, or even money funds.

Second, the choice of funds can not be greedy and cheap, and the relative rate of return and price are secondary. In fact, no matter how the fund price, once it falls, it is the same proportion. Without funds with low prices, there will be fewer losses.

Third, from a realistic point of view, except for some new funds with distinctive features, the advantages of new funds are not necessarily more obvious than those of old funds. The past performance of the old fund can measure the management level of the fund manager, while the performance consideration of the new fund has great uncertainty.

In addition, the stamp duty and handling fee of the new fund are more than those of the old fund, and the old fund is waiting for income. In addition, if the new fund wants to open a position in a short time, it is bound to buy the stocks that the old fund has already opened, which will lift the sedan chair for the latter.

Fourth, compared with the net growth rate, the amount of dividends can not judge the value of the fund. Whether the fund is held or not lies not in whether the fund will pay large dividends, but in the logic of holding. Once the market goes bad and the logic is fulfilled, it should be redeemed.

Fifth, don't just stare at open-end funds, closed-end funds may have higher capital utilization rate. Under normal circumstances, closed-end funds have a certain discount, which provides a safety mat for us to buy funds in advance. In addition to the rising dividends of the funds, we can also get this discount.

Sixth, carefully buy split funds. In order to achieve the unification of net worth and meet the needs of investors to buy cheap funds, some fund managers will split the funds that have performed well for a period of time, but rushing to buy them is also accompanied by great risks.

Seventh, investment funds need to be long-term. Once you buy, you must trust the fund manager's judgment on the market. Remember not to speculate like stocks, so investors must remember that the long term is gold.