Simply put, a fund is to pool all investors' money and then hand it over to a professional fund manager for management. In fact, we will also come into contact with many funds in our daily life, such as Ma Yun's father's balance treasure, as well as the usual pension and social security funds. For fund novices, the first thing to know is this.

How does novice Xiaobai buy funds?

1. First, choose fund varieties according to risk tolerance. Investors who pursue the safety of funds can choose monetary and bond funds, and investors who pursue income can choose hybrid and equity funds.

2. Secondly, choose a fund manager or a star fund manager who has worked for a long time. Fund manager is one of the most important reasons that affect fund income. The fund manager has a good investment level and the expected return of the fund is high.

3. Finally, the fund operation skills: look at the market outlook before operating. When the market is good, you can follow suit; Regular redemption and daily cash management can also stabilize market fluctuations; Fund fixed investment, fixed investment on the professional requirements of investors is not high, more suitable for most investors.

How do novice fund buyers operate?

1. Bank account opening: investors bring their personal identity documents to the service outlets of relevant securities companies to open accounts in banks, and then sign the third-party depository business process in specific banks according to the standards of securities companies for risk assessment.

2. Purchase: After opening a bank account, investors can purchase funds on the service platforms of third-party consignment agencies, banks and securities companies;

3. Selling: Investors can submit a selling application form before 3: 00 pm every trading day to sell;

4. Trading time: Fund trading time: from 9: 30 am to 1 1: 30, and from noon to 15: 00.

Beginners need to master some basic knowledge before buying funds, such as the classification of funds, the risks of different funds, the products invested by different funds and so on. After understanding the basic knowledge, they need to master some fund trading skills, such as buying at a lower net worth when investing in funds.

When investing in funds, don't covet cheap funds, but see if there is room for growth in the future. Funds with room for growth are what we need to pay attention to. When choosing a fund, you will generally choose a fund that has been listed for a long time. Such a fund has been running for several years, and investors can check the past performance.