Office workers want to make money by investing in the capital market, and open-end funds should be the first choice. In addition, it is also a good choice to hold stocks of listed companies with excellent medium and long-term performance and high growth. First of all, we must know the fund's net growth rate and dividend ratio. As we all know, the main basis for choosing a fund is not its net worth, but its future growth. But the future is unknowable, so we can only predict its future performance according to its past income. The investment income of the fund is reflected in two aspects: one is the net growth rate, and the other is the dividend ratio. Secondly, it is necessary to compare the fund income with the stock market trend (generally based on the Shanghai Composite Index) to see if it can outperform the broader market. If a stock fund has performed better than the market index most of the time since its establishment, then the performance of this fund is good, indicating that the manager of this fund has excellent stock selection and timing ability. Thirdly, it is necessary to compare the income of the fund with other similar funds, which can be analyzed and compared in a relatively long period of time such as a quarter, half a year and a year. Short-term data can be ignored, and long-term data can be convincing, so as to find a fund suitable for your expected return. There are two ways for a single investment, one is "long-term holding" and the other is "timely entry and exit". Either way, we should pay attention to the timing of buying and selling, because the profit and loss of a single investment depends largely on the timing of buying and selling. If we can fully grasp the principle of low-sucking and high-throwing, there will be rich returns, but if we don't grasp the investment time well, the income will be greatly reduced or even lost. As a financial management tool for customers, funds are mainly used for long-term investment, and investors do not have to pay too much attention to short-term net value fluctuations. However, we can learn from the operation methods of stocks, because not many people can really make long-term investments, and choosing the right time is a very realistic problem. This is another way of investing-"timely entry and exit". This method of buying a fund is to invest when the market outlook is bullish, and when the market situation reverses, immediately redeem the fund, let the market wait and see, and adjust to a certain extent before entering the market. Of course, this requires continuous attention to the market trend, as well as certain investment experience and risk tolerance. Buying in batches is an investment strategy of buying in stages to reduce risks. Diversified investment in time has solved the concern of short-term net worth fluctuation for the basic people. In other words, if the net value of the fund continues to fall with the broader market in a short period of time, you can use the remaining funds to buy one after another. Every time the market drops to a certain point (such as 100), you will invest a sum of money, which can effectively avoid buying at a certain high level to spread the cost. At the same time, if it rises, it can share the gains brought by the increase in the net purchase value in the previous period. This operation method has two preconditions: first, a bull market; Second, subjectively, you are a firm long-term bull. Many people around me asked the fund to vote. The author thinks that the average cost of a fixed investment in a fund sounds beautiful, but it is not necessarily the best investment strategy in a bull market. I have a deep understanding of this. Regular fixed investment has enough time to overcome market fluctuations, but most people actually don't have enough patience. Mechanically speaking, if the market fluctuates and falls, it is better to buy at a fixed time every month, but when the bull market continues to be bullish, it is not as good as a single purchase. The net value of the fund you bought fell. Do you want to throw it away? In my opinion, if there is any change in the fund company and there is no sign of improvement in the short term, you can consider redemption. If the market situation changes, investors are in urgent need of the money and can consider selling it. But on the whole, the people should treat the short-term fluctuations of the market with a peaceful attitude and pursue the stable appreciation of funds through relatively long-term investment. Another risk of open-end funds is generally unknown to the new citizens, that is, the "unknown price" risk of buying and selling funds. In a normal trading day, the net value of the fund is calculated according to the closing price at 3 pm, and before and after 3 pm, the net value of the fund is calculated according to the closing price of the next trading day. When the citizen purchases and redeems on the same day, the reference fund net value is the data of the previous trading day, but the net value of that day is unpredictable.