At present, there are three main channels to buy open-end funds:
I. Fund Direct Selling Center Most fund companies have their own direct selling centers, where customers can buy the products of fund companies. Direct selling centers also have online transactions, which are generally discounted, but fund direct selling centers are generally located in Beijing, Shanghai, Shenzhen and other places.
Second, banks At present, banks are vigorously developing intermediary business, and open-end funds, wealth management products and insurance are all sold. Banks are the main channel for fund sales, but most banks mainly promote funds entrusted by their own banks. Now this situation has changed, and the types of fund sales have increased.
Third, securities companies Securities companies are not only places for stock trading, but also can buy closed-end funds, open-end funds and insurance products.
For a novice like you, I suggest you make a fixed investment.
One-time purchase funds are generally above 1000 yuan, and now the risk of one-time purchase is relatively large. The minimum monthly capital investment 100 yuan can also reduce the risk! You might as well think about it.
The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips.
The benefits of regular fixed fund investment for young people can be summarized as follows:
1, you need to set aside a fixed amount for fixed investment every month, which is similar to compulsory savings to prevent young people from over-consuming and becoming moonlight clan.
2. Fixed investment is similar to lump-sum deposit, which accumulates over time, allowing young people to experience the fruits of financial management and enhance their interest and fun in financial management.
3, fixed investment does not need to invest too much energy from time to time, suitable for young people's fast-paced life and work.
Young people should plan well when they decide to invest, so that they will not be shy when they use money in the future, such as getting married and having children.
Personally, if you want to choose a fixed investment, equity funds are a better choice. Because: the biggest advantage of fixed investment is stability. This method is often used to invest in aggressive or active funds, such as stock funds and active allocation funds, and can often achieve good returns.
The handling of the fund's fixed investment is also very simple. The fixed investment of the fund can be entrusted to the bank or directly to the fund company. If an investor chooses to make a fixed investment in a bank, he/she needs to go to the counter of the designated agency for the first time, sign an application form for regular fixed investment plan, and stipulate the monthly deduction time, deduction amount and deduction method. The specific steps are as follows:
1. First, bring the original and copy of my ID card to the bank to open a fund account (if there is no bank account, you need to open a bank account, if there is, you can bring a passbook and a bank card) and sign a fixed investment agreement with the bank; Then make sure that your bank account is fully debited every month.
2. Now the fixed investment handled by ICBC is more flexible. I suggest you open a fund account with ICBC to handle fixed investment. ICBC handles the fixed investment from 200 yuan;
3. If a fixed investment is made, it should be a long-term investment. Now you can choose a fund with a lower net worth. If you invest a lot of money, I suggest you choose two or three funds (don't put your eggs in the same basket);
4. At present, banks with fixed investment generally only provide stock funds and index funds, because large fluctuations are conducive to fixed investment; If it is a fixed investment, it is best to choose a fund with large fluctuations.