It is very important for financial novices to choose their own investment methods. Different investment methods have different risks and returns. So what investment method do financial novices choose? What should I pay attention to? The following is what the novice fund should buy for your reference.

What kind of fund should a novice buy?

Risk tolerance: First, you need to assess your risk tolerance. Generally speaking, equity funds have higher risks, while money market funds and bond funds have lower risks. Novices can choose the right fund according to their risk preference to ensure that they can withstand the fluctuation of investment.

Investment objectives and expected returns: Clear investment objectives are an important basis for selecting funds. If your goal is long-term growth, you can consider choosing equity funds or hybrid funds. If stability and liquidity are more important, you can choose money market funds or bond funds.

Diversified investment: Diversified investment is an important strategy to reduce investment risks. We can consider diversifying our portfolio by buying a basket of different types of funds, including stock funds, bond funds and hybrid funds.

Fund fee: Fund fee is one of the important factors that affect the return on investment, and it needs to be comprehensively considered from the aspects of management fee, custody fee and sales service fee.

Fund operation skills

Investment strategy: fund companies need to formulate clear investment strategies, including asset allocation, stock selection and debt selection, timing and other decisions. The investment strategy should be formulated according to the market environment and investment objectives, and adjusted according to the risk tolerance of investors.

Risk management: Fund companies need to establish an effective risk management system, including portfolio risk assessment, formulation and implementation of risk control measures, and monitoring of market risk and liquidity risk.

Market research and analysis: fund companies need to conduct in-depth market research and analysis to grasp market trends, industry trends and investment opportunities. This includes macroeconomic analysis, industry research and stock evaluation.

Investor relations management: fund companies need to maintain good communication and relations with investors, disclose fund information in time, answer investors' questions, and conduct investor education and investment guidance.

What investment method do financial novices choose?

Novices in financial management can consider buying bank financial products, funds or stock investments. The income of bank wealth management products is relatively stable, and investors only need to buy the corresponding products at the bank counter or online banking. The risk grade of bank wealth management products is usually divided into five grades: R 1~R5, which increases in turn. Novice investors are advised to choose products below R2. Fund industry is a kind of wealth management product suitable for novice investment, which is usually managed by professional fund companies. Investors only need to buy fund shares to share the return on investment of the fund. Compared with buying stocks directly, the risk of capital is more dispersed, which can reduce the risk of investors. Stock is a high-risk investment method, but the return on investment is also high. The stock market fluctuates greatly, which requires investors to have strong risk tolerance and certain market analysis ability.

What should I pay attention to?

Novices need to consider their own risk tolerance, investment period, investment purpose and investment amount when choosing investment methods. Different investment methods have different requirements for risk tolerance. When investors choose investment methods, they should choose according to their own risk tolerance to avoid losses due to excessive risks. Secondly, if it is a short-term investment, you should choose highly liquid financial products, such as money funds and reverse repurchase of government bonds. If it is a long-term investment, you can consider the fixed investment of the fund and the purchase of national debt and other products. In addition, investors should choose according to their own investment amount. If you have less money, you can choose low-threshold wealth management products, such as bank time deposits, and if you have more money, you can consider bank deposit certificates.

Financial management methods suitable for beginners

The financial management methods suitable for beginners are as follows:

1. Bank deposit: the current income is the lowest, and the longer the fixed term, the higher the relative income. This method is still used by many people at present, but the income is really too low for anyone to mention.

2. Money fund: Many novices have no concept of money fund, but when it comes to Yu 'ebao, many people will try. Yu 'ebao is actually a kind of money fund. Of course, there are many money funds in the market to choose from, and the current annualized rate of return is above 4 points.

3. Bonds: The risk is relatively small and the income is relatively stable. Suitable for medium-term investment, it is an investment method suitable for supplementing and adjusting personal future liquidity funds or emergency reserves.

4. Fixed investment: Choose some high-quality large-cap blue-chip stocks or corresponding index funds, buy a certain amount in the specified interval, and stick to it for a long time, and you should be able to get objective income.

Financial management is a Chinese word, pinyin is lǐcái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance. Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.

The word "financial management" first appeared in newspapers in the early 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and other personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.