Beginners must watch it! Understand these foundations before you can buy them.

Beginners must watch it! Only when you know these foundations can you buy them. With the improvement of the market, more and more people plan to join the army of "basic people" and get the expected annualized expected income other than wages through investment funds. However, the fund market is risky, and blind entry is likely to hurt the principal. As a novice investor, you need to know the following basic knowledge of funds.

I. Types of funds

There are two kinds of funds: open-end funds and closed-end funds. Open-end funds can be purchased directly from the fund company's website (online banking is required) or through various banks. Closed-end funds must open stock accounts and buy like stocks.

Open-end funds mainly include the following types:

1. Monetary Fund: The expected annualized expected return is equivalent to the deposit of six months to one year, which can be redeemed at any time, with little chance of losing money and no redemption fee.

2. Bond fund: The expected annualized expected return is generally greater than that of the money fund, and the loss risk is slightly higher than that of the money fund, which belongs to the medium and low risk fund. The subscription and redemption costs are low.

3. Equity funds: Fund assets are stocks and belong to high-risk products. When the stock market falls, the foundation is at risk of losing money, but when the stock price rises, there will be expected annualized expected returns. The subscription and redemption costs are the highest.

4. Hybrid funds: Fund assets are invested in stocks and bonds, and the risk is lower than that of stock funds. The subscription and redemption fees are the same as those of equity funds.

Second, the fund redemption time

When a customer applies for redemption, the fund company will settle the funds after receiving the instructions from the customer, so it will take some time. If an investor redeems the fund before 15:00 on the same day, it shall be calculated based on the net value of the fund announced after the close of the day. Redemption after 15:00 shall be subject to the closing price of the next day. In case of Saturday, Sunday and holidays, the arrival time will be delayed. If the investor redeems after Friday 15, the net value of the fund will be calculated according to Monday's closing price. In case of holidays, the Fund will be redeemed on the day before the holidays 15, and the net value of the Fund will be calculated on the first trading day after the holidays.

For example, if a fund is redeemed after February 3 1 day 15, its net value will be calculated according to the closing price of1October 4 +65438.

Different types of funds have different redemption times:

Monetary funds: T+2 to T+3 are received.

Equity fund: T+4 days.

Bond fund: T+4 days.

QDII fund: T+9 arrives.

Third, how to choose a fund?

1. Choose risk preference: If investors have high risk tolerance, they can choose stock funds and hybrid funds. Steady investors can choose bond funds, with expected annualized expected returns and risks in the middle. Conservative investors can invest in money funds, which have the highest security, almost no risk and excellent liquidity.

2. Choose a fund company: Therefore, it is very important to choose a good fund and a suitable fund company. Therefore, investors should focus on large and medium-sized fund companies in established companies.

3. Choose a fund manager: Excellent fund managers play a key role in fund performance. Investors can choose fund managers from the aspects of investment field, work experience and fund performance management.

Fourth, the fund investment model

You can choose one-time investment and regular fixed investment. (Is the risk of fund financing big? What are the risks of buying a fund? )

The fund pays attention to long-term investment, and frequent operation is not recommended because the handling fee is more expensive. It is recommended to hold it for a long time. The fund will have a good return if it is invested for more than 5 years. This way can save investors a lot of money, and also share risks, and many a mickle makes a mickle to create wealth. There are many advantages to a fixed investment. How to buy a fixed investment fund? )