Buying a fund is a risky investment behavior. Funds are divided into money funds, bond funds, hybrid funds and equity funds according to the degree of risk. The higher the income, the higher the risk. What kind of fund is good depends on your personal risk tolerance. If you are a young man with stable job and strong risk resistance, it is recommended to choose stock funds to seek high returns, such as investment advantages and China market. If they are elderly people with poor risk resistance, it is suggested to choose bond funds with low risk, such as Guo Fu Tian Li and Nanfang Baoyuan.

You can buy it at the bank, or you can buy and sell funds at the bank counter or online banking. China Merchants Bank sells the most funds on commission, and Bank of Communications offers the most favorable online banking rate (40% discount). In fact, it is precisely because of the hot situation of bank consignment funds and funds that the queues of banks are getting longer and longer. If you want to buy funds online, you can go to the bank, register your card as an online bank card and fund card (just fill out two forms and open it), and put the money in.

In addition, for ordinary investors, it is more advantageous to allocate personal assets by investing in bond funds than directly investing in bonds.

First of all, the investment scope is wider. The main forms for individual investors to invest in bonds are to buy voucher-type government bonds at bank counters or to buy and sell book-entry government bonds and corporate bonds in the exchange market. The most important varieties in the bond market, such as central bank bills, financial bonds, subordinated bonds and floating bonds of commercial banks, are all traded in the inter-bank bond market, and ordinary investors cannot participate.

Secondly, it is easy to establish a more optimized investment portfolio. Bond funds can help investors to participate in multiple bond markets at one time, and through different combinations of guaranteed bonds and credit bonds, long-term bonds and short-term bonds with different durations and different credit ratings, interest rate risks and liquidity risks can be better avoided, and more potential benefits can be pursued than investing in a single bond.

Third, the liquidity is better. Not all bonds have sufficient liquidity, such as voucher-type government bonds and corporate bonds of some exchanges, but indirectly invest in bonds through bond funds, which can be purchased or redeemed every trading day, or converted into stock funds, which is more flexible. Especially when investors have temporarily withdrawn from the stock market, but are still preparing to look for opportunities to re-enter the stock market in the recent 1 2 years, buying bond funds may be a better choice.