Among many fund products, what are the tricks for beginners to play with funds and how can they make money? First of all, we should choose the fund that suits us. For example, on Alipay, there are many funds labeled "Golden Selection", which generally belong to the long-term high-yield old cow base.

This kind of fund is audited by professionals. It is not difficult to buy such funds and hold them for a long time. As long as you have enough patience, the average annual rate of return is around 15%.

After choosing a fund that suits you, you must decide how to buy the fund, whether it is a one-time purchase or a regular purchase. Generally speaking, it is suggested that the fund should be fixed and hold the fund for a long time, which can increase the possibility of making money.

Take Alipay as an example. Alipay has two ways: ordinary fixed investment and intelligent fixed investment. Ordinary fixed investment refers to a fixed monthly investment, while intelligent fixed investment means that Alipay's third-party platform will flexibly adjust the money invested in the fund according to the fund's ups and downs, and buy more when the fund is cheap and less when it is expensive, so as to obtain greater benefits.

Generally speaking, Alipay's smart fixed investment will have a slightly higher income than ordinary fixed investment. Open the fixed investment of the corresponding fund in Alipay, and you can see the switch of smart fixed investment.

When you start buying funds, try to buy as few new funds as possible. Because the new fund is closed for up to 3 months, it cannot be purchased and redeemed. At this point, investors need to bear the risk of fund net value fluctuation.

Secondly, don't buy too many funds of the same type. Because it is meaningless to buy funds repeatedly, many shares are very similar, and the trend of the same type of funds is almost "ups and downs", which cannot effectively spread risks. In short, the higher the similarity of funds, the higher the probability of going up and down together.

Summary: Generally speaking, it is suggested that the fund should make a fixed investment and hold the fund for a long time, which can increase the possibility of making money. Secondly, don't buy too many funds of the same type. The higher the general similarity, the higher the probability of rising together and falling together.