Investors must have a comprehensive understanding of open-end funds before buying them. First of all, investors should carefully read the prospectus of the fund to understand the name, type and investment objectives of the fund, so as to determine whether the investment objectives and investment concepts of the fund are suitable for them; Secondly, it is necessary to clarify the issuance of funds, such as the issuance price, issuance cost, amount of funds raised, issuance method, issuance time, and issuance place. Third, investors should understand the rights and obligations of investment managers through fund contracts, such as the principles of fund distribution, the general scheme of income distribution, and the obligation to pay management fees. At the same time, investors need to understand the provisions of the contract on fund information disclosure, such as the time and method of publishing the annual report and interim report of the fund, the time and method of publishing the net asset value of the fund and the portfolio. Only after a detailed understanding of all aspects of open-end funds. Only investors can consider investing in financial open-end funds.

How to choose an open-end fund?

First of all, we should choose the right fund type. Generally speaking, open-end funds can be divided into income-oriented funds, balanced funds and growth funds. The risks of these three types of funds increase in turn, and investors can choose according to their risk tolerance. Secondly, it is necessary to distinguish whether the promised and publicized returns of the fund are single returns or double returns, and pay attention to whether the return data provided by the fund includes expenses. Generally speaking, double return is better than single return; Third, investors must be clear that heroes should not be judged by temporary success or failure, and the performance of a fund should be evaluated in the long run. Only funds that can stand the test of time are good choices; Fourth, only comparison can identify the fund, and the fund should be compared with the same type of fund; Fifth, the fund manager is an important factor to determine the performance of the fund, and choosing a good fund manager means half the battle; Finally, the most important thing is when choosing a fund. Be sure to consider the risk factors of the fund.

What are the tips for investing in open-end funds to get more income?

Investors choose a suitable fund among many funds, which only completes the first step of investment and financial management. Only when investors buy and sell funds at the right time can they get real considerable income, because the price of open-end funds is constantly changing with the fluctuation of net asset value, and only by grasping the timing of investment and financial management can they get income. Generally speaking, the price fluctuation of funds is different from that of stocks. Usually, the price trend of open-end funds is relatively flat, and generally there will be no ups and downs. Investors should grasp the following principles when choosing the timing of fund trading:

1. Long-term investment and financial management strategy. That is, don't buy funds in large quantities at one time. The best way to invest and finance is to invest and finance the fund for a long time in stages after retaining the daily living expenses.

2. In specific operations, investors can look for opportunities to buy and sell funds from the fluctuations of the securities market, economic cycles and national macroeconomic policies. For example, when the economy or the stock market is at the bottom of the fluctuation cycle, buy funds and choose to sell funds at the peak.

3. Don't buy after a big rise, and don't sell after a big fall, that is, don't "chase up and kill down".

In order to get better long-term investment income, investors can adopt the average investment strategy when buying and selling open-end funds, that is, the "cost average method" and the "value average method". The cost average method is to buy the same amount of funds at regular intervals. For example, investors can buy a fund of 1 000 yuan once a month (or quarterly or annually), so that when the fund price is low, they can buy more shares. On the contrary, when the price is high, they will buy fewer stocks. The value average method is that investors increase the investment amount when the market price is too low, and reduce or even sell part of the investment when the market price is high. Adopting an average investment and financial management strategy can avoid excessive one-time investment, and in the long run, it can get better returns.