Buying a fund is a risky investment, with the possibility of making money and the risk of losing money at any time. A fund is profitable when its net value increases more than your purchase cost. Novices bring their ID cards to securities companies to open trading accounts in Shanghai and Shenzhen, and download mobile securities trading funds. They bring their ID cards to the bank to open an account, so they can invest in the fund. The minimum investment of floor trading funds 100, like 5 10020. At present, the closing price is around 0. 19 yuan, so it is enough to buy 100 shares, and the minimum investment of OTC funds is 65,438.

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 600 kinds of open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation, South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, 8 ETF funds, such as Yifangdashen 100 ETF.

The advantage of Huaxia SSE 50 and AIA dividend ETF is its low cost, 0.3% handling fee for trading funds in securities companies, no stamp duty, and quick receipt of funds. Investors can choose their own investment products according to their risk tolerance. Investors with high risk tolerance can choose index funds. Harvest 300 and E Fund 100ETF are all good varieties. Investors with average risk tolerance can choose hybrid funds, Huaxia Bonus, Harvest Theme, Yin Hua Optimization and E Fund Value Growth. Investors who have no risk tolerance can choose bond funds, Dongfang Steady and Huafu Income.