It's good to buy funds. Buying funds can not only resist inflation, but also preserve and increase value, and in the era of comprehensive financial management, you can also learn financial management knowledge. At the same time, in the securities market, stocks, futures, options, etc. They are all high-risk investments, and there are many types of funds, which are suitable for different investors. Buying a fund is less risky and saves time and effort.

First, the benefits of buying a fund

1, the fund company has a relatively complete professional investment and research team, and its ability to select stocks and bonds is stronger. Giving money to experts for financial management solves the shortage of investors' time and professional knowledge.

2. As an institutional investor, funds can buy some securities that ordinary individual investors can't buy (mainly securities in the primary market). For example, the national debt market is divided into primary market and secondary market by function. The primary market is the market for issuing government bonds, and the secondary market is the market for transferring government bonds. Generally speaking, individual investors can only invest in the secondary market and cannot participate in the issuance of the primary market. Institutional investors can not only trade in the secondary market, but also obtain relatively rich profits through underwriting and underwriting in the primary market.

3. Funds can invest in different financial instruments, such as stocks, bonds and currencies, to avoid the risks of individual securities.

II. Precautions for first-time fund purchase:

1. Choose a low-risk fund or a high-risk fund according to your risk tolerance. If the risk tolerance is low, choose bond funds and money funds; if you can bear a little risk, choose stock funds and hybrid funds.

2. You can buy a fund at one time or make a fixed investment. If you are not sure about buying, you can buy the fund at one time when the net value falls, and then make a fixed investment. In this way, in the case of the bottom position, the increase of net value can get more income, and the decrease of net value also has the dilution cost of fixed investment funds.

3. Pay attention to the dividend distribution method. Investors who want to settle down in their pockets will change the dividend method to cash dividend, and investors who want to continue investing can change the dividend method to dividend reinvestment.

4. Set a stop loss point and operate in strict accordance with discipline.

5, don't buy and sell frequently, don't chase hot money, it is easy to chase up and down.

6. Be familiar with the page operation of the fund. Buying means buying, and redemption means selling.

The above are the precautions, but the key to buying a fund is to choose a good fund. Investors can analyze the future return on investment according to the fund manager's past performance and anti-risk ability.