How do newcomers choose funds?
1, depending on the fund type
Funds can be divided into: money funds, bond funds, hybrid funds, stock funds, index funds, QDII funds and so on. , will mark the risk level, investors can choose the type of fund according to their risk tolerance.
If you want to focus on safety and can't bear great risks, you can consider money funds or pure debt bonds. If you want to pursue returns and take certain risks, you can consider high-risk fund types such as hybrid funds, stock funds, index funds and QDII funds.
2. Fund managers
Investment fund is that investors give money to fund managers for investment, so it is very necessary to choose a good fund manager. Then, when choosing a fund manager, we can consider whether this fund is a good fund manager from many aspects such as the historical rate of return and the rate of return from employment in the past.
What fund is better for newcomers to buy?
When newcomers don't know much about funds at first, it is generally recommended to start buying from low-risk money funds, because the risk of money funds is relatively small, the income is relatively stable, and the possibility of losses is basically small.
If it is a high-risk type such as stock fund, index fund and QDII fund. If you don't know anything, you may lose money by buying blindly. It is generally recommended that you have a certain understanding before buying.