How do novices choose to buy funds?
1. Conduct a risk assessment to confirm your risk preference. This will mainly involve your basic income, investment and so on. For you to choose, so as to find out whether your preference is conservative, conservative or enterprising.
2. Choose the appropriate fund category according to your risk preference. Equity funds have the highest risk. Of course, the higher the risk, the higher the rate of return.
3. Choose a fund company with a certain scale and performance.
4. Make appropriate reference to the past performance of the fund to be selected, at least in the middle.
5. Understand the investment philosophy and direction of the fund, the fund's heavy positions and performance benchmarks.
6. Give due consideration to buying opportunities. Generally, they buy on dips and advocate long-term investment. Those bought before three o'clock shall be subject to yesterday's net value, and those bought after three o'clock and before three o'clock the next day shall be subject to the net value of the day of purchase.
What kind of fund should a novice buy?
1, bond fund
Bond fund refers to the funds invested in the bond market, often holding the debts of enterprises or government organizations in the form of bonds. The volatility of bond funds is lower than that of equity funds. So, if you want a stable return, you can buy a bond fund.
2. Equity funds
Equity fund refers to the funds invested in the securities market, and generally owns the shares of a company. If you want to get benefits from long-term investment, then you can consider buying stock funds. However, the fluctuation of the securities market will also affect the value of securities funds.
3. Mixed funds
Hybrid funds refer to funds that invest in both the stock market and the bond market. Because the advantage of hybrid fund is that it can provide relatively stable income and less risk by investing in two asset classes. If you are interested in both stock and bond markets, a hybrid fund may be a good choice.