Safety is safety, the platform background is strong, and it belongs to Yirendai, but the interest rate is relatively low, and fewer and fewer people are investing.

Buying skills: First, correctly understand the risks of funds and buy funds that suit your risk tolerance.

Most of the funds currently issued are open-end stock funds, which are the riskiest fund types in my country's fund industry today.

Some investors believe that the stock market is experiencing a bull market and many funds are issued through major banks, so there is absolutely no risk.

But they don’t know that funds are just experts who invest and manage money on your behalf. They want to use your money to buy securities. Like any investment, there are certain risks, and this risk will never completely disappear.

If you don't have enough risk-taking ability, you should buy a debt-oriented or bond fund, or even a money market fund.

Second, when choosing a fund, don’t be greedy for cheap.

Many investors will choose lower-priced funds when buying funds. This is a wrong choice.

For example: Fund A and Fund B were established and operated at the same time. One year later, the net value of fund A’s units reached 2.00 yuan/share, while the net value of fund B’s units was only 1.20 yuan/share. Based on this rate of return, one year later, the net value of fund A’s units will be 2.00 yuan/share.

The net value of fund units will reach 4.00 yuan/share, but the net value of fund B units can only be 1.44 yuan/share.

If you buy Fund B on the cheap in the first year, your income will be much less than if you buy Fund A.

Therefore, when buying a fund, you must look at the fund's rate of return, not the price.

Third, new funds are not necessarily the best.

In mature foreign fund markets, newly issued funds must have their own characteristics, otherwise it will be difficult to attract investors' attention.

However, many investors in my country only buy new funds, thinking that only new funds are issued with a face value of 1 yuan and are the cheapest.

In fact, from a realistic perspective, except for some new funds with distinctive characteristics, old funds have more advantages than new funds.

First of all, old funds have past performance that can be used to measure the management level of fund managers, while the performance of new funds is highly uncertain; secondly, new funds must complete the task of establishing a position within half a year, and some positions may take longer to be established.

Shorter, in such a short period of time, if you want to invest a large amount of funds into the stock market with a limited scale, you will inevitably buy the stocks that the old fund has already established a position in, and support the old fund; thirdly, the new fund will also have to pay stamp taxes and fees when opening a position.

There are handling fees, but old funds that have established positions and wait for returns do not have these fees; finally, old funds still have some stocks that are allotted and locked at the issuance price. The future listing will be a stable income, and the research team of the old fund is generally better than

New funds mature.

Therefore, old funds should be preferred when purchasing funds.

Fourth, funds with more dividends are not necessarily the best.

In order to cater to investors' desire to make money quickly, some funds will distribute dividends immediately after the closing period. This approach is to take the money out of investors' left pockets and put it into their right pockets, which has no practical significance.

Instead of focusing on catering to investors, it is better to focus on market research and fund management.

The funds managed by investment guru Buffett generally do not pay dividends. He believes that his investment ability is superior to other investors, and the money in his hands will increase in value faster.

Therefore, when choosing funds, investors must look at the growth rate of net value rather than the amount of dividends.

Fifth, don’t just focus on open-end funds, but also pay attention to closed-end funds.

Open-end and closed-end are two different forms of funds, each with its own advantages in operation.

Open-end funds can be redeemed at any time based on net value, but closed-end funds have a much higher capital utilization efficiency than open-end funds because there is no redemption pressure.

Sixth, be cautious when buying split funds.

In order to cater to investors' demand for cheap funds, some fund managers split funds that have performed well for a period of time and normalize their net values. Most of these funds are intended to expand their scale.

Imagine selling some of the stocks held by the fund before it is consolidated, and then buying a large number of stocks after the fund is expanded. Not to mention how much extra stock buying and selling fees are paid, just the rush to buy after the expansion is enough.

There is a certain risk. In fact, the performance of funds adopting this marketing method is often unsatisfactory.

Seventh, invest in funds with a long-term view.

Buying a fund means admitting that experts must be better at managing money than yourself. We should not speculate on funds like stocks, or even redeem them at a profit. We must trust the fund manager's ability to judge the market.