When the epidemic came, almost all of us began to test our financial situation, which also made everyone pay attention to financial management, rational consumption and asset allocation, and fund investment was even more popular. However, many people, as novices, had no understanding of funds at all, and began to blindly follow some network V, which was often cut off. So what should novices pay attention to when buying funds?

What should novices pay attention to when buying funds?

Fund investment is a systematic knowledge, which not only needs comprehensive study, but also needs our continuous practice and exploration experience in investment. It is almost impossible to explain it thoroughly and comprehensively at once. Here, I would like to give some advice to novice investors who want to study funds.

1 Use idle money to invest: Novices have gained good returns in a short time after investing in funds, and often want to get more, increase investment constantly, and even want to borrow money. However, fund investment is always risky, so this leveraged behavior greatly increases our risk.

Before investing in a fund, or when doing all venture capital, we should remember that investment is risky. We must never borrow money or loan to invest. It is best to invest with some spare money after planning a certain living expenses and emergency reserve.

2 Have your own judgment: For novice investors, you often look at the fund recommendations of some online bloggers and big V, but it is ok to listen to the suggestions reasonably. Don't copy your homework blindly. On the one hand, temporary gains can't explain anything, and we will have a certain lag in obtaining information. The trading hours are different, so the market we are facing will not work. On the other hand, in order to pursue traffic, people often use P-charts and other technologies to falsify, so we should be vigilant.

3 Basic knowledge to understand: Many people think that funds can spread risks as long as they buy more, but we should know that funds themselves are investment portfolios, spreading risks, and many funds are repetitive in investment targets. In this case, even if you buy a lot of funds, you can't spread the risk. Therefore, we'd better make a reasonable allocation according to the types of fund products and the target objects.

In addition, only with a clear understanding of the rules of fund trading can we know how to reduce transaction costs. For example, we can choose to buy Class A or Class C funds according to the expected investment time, and we can use fund conversion to reduce transaction costs.

In short, as a novice, buying a fund must have a clear understanding of the risks, basic knowledge and trading rules of the fund, which can already help us avoid many pits. In addition, you can't blindly listen to other people's investment advice.