Hearing this question, Xiao Zhao was very moved, saying that Xiao Zhao invited financial experts to explain financial management knowledge, which received results and "awakened" everyone's financial management awareness. Since there are fans asking for "make up lessons", of course, you can't refuse, invite financial experts and arrange!
First of all, whether you are an old hand or a novice, you should determine your risk level before investing in any wealth management products. How to determine the risk level? You can download the China Merchants Bank App for "risk assessment", fill in the corresponding questionnaire, and understand your risk level based on the intelligent analysis of the account situation.
Only after understanding the risk level can we understand the fund products. What is a fund? To put it simply, a group of people who are interested in investing put their money together and give it to the financial manager to help them take care of it. This Daniel is a fund manager. He invests his money in various projects according to market trends, such as investing in the stock market. Then this fund is called stock fund. If he invests in the bond market, it is a bond fund and so on.
So, how to choose fund investment? Here are four ways to help beginners!
A look at whether the sales channels are formal and legal, which is the basic condition to protect interests and funds. What are the regular and legal sales channels? In addition to banks and insurance companies, brokers, trust companies and financial institutions with state-owned assets can choose.
Second, choose according to your own risk level. If the risk tolerance is weak, it is recommended to choose bond funds, because the income of such funds is relatively stable and the risk is low. If you have a high risk tolerance, you can consider paying attention to stocks and precious metal funds, and the income elasticity is greater.
Third, read the instructions to understand the nature of the product. For example, in fund products, it is divided into closed-end funds and open-end funds. Closed-end funds sometimes only have a one-month subscription period, and no longer accept investors' subscription after the expiration. Open-end funds have the characteristics of subscription and redemption at any time. When buying a fund, novices must read the instructions, understand the attributes of the fund, and invest according to the risk level. In addition, there are fund trading rules in the manual, so novices must pay attention to them. Some funds may charge higher management fees, which will affect their income.
Fourth, look at the fund size and management team. The rate of return of the fund is inseparable from the ability of the management team, especially the fund manager, which is directly related to the income of the fund products you invest in. Therefore, before buying fund products, you can first understand the scale and past performance of fund managers.
After reading these, are you still a little confused? Don't worry, take "Hongde Investment Return Flexible Configuration (005395)" in China Merchants Bank App as an example to tell you how to look at the fund type and the data inside.
As can be seen from the App of China Merchants Bank, the product description page first marks the fund type, fund size, risk index, purchase conditions, yield, net value and other data. From here, we can know that this fund type is mixed, with risk index R4 (medium and high risk). We can also see the proportion of investment direction of this product, in which the stock direction accounts for 9 1.32%, the bond direction accounts for 4.29%, the currency category accounts for 4.04%, and others account for 0.35%. It is not difficult to find that this product mainly invests in stocks. Judging from the stocks it chooses to hold, it is configured by the main line of the current market, such as Haitian Ye Wei, a big consumer, and Hengrui Pharma, a pharmaceutical company.
The above is the fund experience of financial experts. I don't know if you have learned it. But in the end, I still want to remind you that investment is risky and you need to be cautious when entering the market!