Fund, broadly speaking, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. Today, Bian Xiao will share with you how to start the fund for beginners, for your reference only!

Buying strategy of novice buying fund

Simply put, buying a fund can be a one-time purchase or a fixed investment of the fund. Personally, the former is mainly suitable for stable fund performance, steady rise, or good market. At this time, you can buy at a lower point at one time to obtain higher returns; The latter is mainly suitable for funds with high volatility, or when the market cannot be grasped, because it is difficult for most people to judge the high and low points of the market, so the method of fixed investment can avoid the embarrassment of buying at high points, buy less shares at high points and buy less shares at low points, and realize low cost allocation.

Is there any risk in fund operation?

The operation of the fund involves certain risks. The following are some possible risk factors:

Market risk: the value of the fund may be affected by market fluctuations, including the stock market and the bond market. Market changes may lead to a decline in the value of funds.

Credit risk: bond funds have the risk of bond default, that is, bond issuers cannot repay their debts on time.

Liquidity risk: some fund assets may be illiquid, and when investors redeem fund shares on a large scale, the fund may face the problem of insufficient funds.

Interest rate risk: An increase in interest rates may lead to a decline in bond prices, thus affecting the value of bond funds.

Management risk: the investment decision of the fund manager may be inaccurate, or the resignation of the fund manager may adversely affect the investment strategy of the fund.

What should I pay attention to when buying funds?

Pay attention to the following points when purchasing funds:

Investment objective: Choose appropriate fund types according to your investment objective and risk tolerance, such as stock funds, bond funds and hybrid funds.

Fund manager: study the background and investment experience of fund managers and understand their past performance and investment strategies.

Expenses: Understand the management fees, sales fees and other expenses of funds, and compare the expense levels of different funds.

Risk warning: read the fund's prospectus, risk disclosure and other legal documents carefully to understand the fund's risk warning and related information.

Diversified investment: Diversified investment can reduce investment risk and realize diversification of asset allocation by purchasing various funds.

Regular evaluation: regularly evaluate the performance and risk status of the fund. If you find that it does not meet your expectations, you can consider adjusting your portfolio.

Please note that the above are only general suggestions, and specific investment decisions need to be combined with personal circumstances and professional opinions. Before making any investment, it is recommended that you consult a professional investment consultant or financial institution.

What should I pay attention to when buying a fund?

1, buy new but not old

For many fund novices, they always like to buy new funds, thinking that the new fund rate is relatively low, which can reduce costs and has development potential. I thought so at that time, so I bought some new funds, but I didn't make any money for more than a year. The new fund has no past performance as a reference, so it is impossible to judge the trend of the fund and obtain the investment strategy of the fund manager. Moreover, most new funds are controlled by new fund managers, so it is impossible to judge the investment ability of fund managers, and their investment strategies have not been tested by the market.

2. Buy low and don't buy high

Buying low and not buying high can be said to be a misunderstanding that most fund newcomers will walk into. They often think that the fund's net worth is low, the purchase cost is low, the fund's net worth is already very low, and they will not continue to go down, and they are likely to bargain-hunting and gain greater benefits. I don't know how many people went down the mountain, but they copied it halfway up the mountain! For high net worth funds, most novices will be intimidated by high net worth, which is also a manifestation of the fund's sustained good performance!

3. Buy short but not long

Many people buy funds like stocks, but they don't know that funds usually need to be held for a long time to see the benefits. Of course, they must learn to stop losses under special circumstances. Of course, in most cases, it is still held for a long time. Frequent buying of funds for short-term operation not only wastes transaction costs, but also may miss many skyrocketing markets.

Preliminary selection method of funds

1, the theme selects "Basic" method.

As the name implies, according to the division of fund themes, choose the fund themes you want to invest in among your favorite themes, such as banking, securities, insurance, food and beverage, coal, steel, new energy vehicles and so on. Of course, these themes don't need to be sorted out by ourselves, and the professional fund sales platform has been sorted out for us. We just need to click and select the fund.

2. Select "Foundation" according to the fund type.

As we all know, according to the different investment objects of funds, funds can be divided into stock type, hybrid type, bond type, currency type and so on, and the corresponding risk degree of each fund type is also different. For example, more than 60% of equity funds invest in stocks, so the risk is also the biggest, which is suitable for radical investors to invest. So we can choose the type of fund we want to invest in according to our risk preference.

3. Select "Base" according to the index.

As we all know, the China mainland stock exchanges are mainly Shenzhen Stock Exchange and Shanghai Stock Exchange, and the stock index is an important tool to judge the market trend.

China's mainland stock indexes mainly include Shanghai Stock Exchange Index, Shenzhen Stock Exchange Index, Shanghai and Shenzhen 300 Index, Small and Medium Board Index, Shanghai Stock Exchange Index 50, Shanghai Stock Exchange Index 500, Growth Enterprise Market Index, etc., so we can also choose funds according to these indexes, such as Shanghai Stock Exchange Index Fund, Shanghai Composite Index Fund and Growth Enterprise Market Index Fund. Generally speaking, the trend of index funds is relatively close to the index. On the whole, the level of China stock index is still relatively low, and it has a bright future.