Now, after understanding the wealth management products, many novices generally trust banks, believing that banks are big platforms and trustworthy. So do you know the way to buy a bank fund? The following small series will answer your question.
What are the ways to buy bank funds?
Bank counter purchase: go to the bank counter, consult the bank staff and buy the fund products sold by the bank. Banks generally provide fund sales services, and the staff will help you choose the right fund.
Online banking purchase: Many banks provide online banking services, and you can purchase funds through the online banking platform. Log in to the online banking account, select the fund purchase function, and then follow the prompts.
Telephone banking purchase: Some banks provide telephone banking services. You can call the bank's telephone banking hotline, consult customer service and buy funds.
Bank wealth management products: Banks usually launch various wealth management products, including funds. You can indirectly participate in fund investment by purchasing bank wealth management products, and the bank will manage the fund investment.
It should be noted that the funds sold by banks are usually based on the bank's own fund products, and the selection range may be relatively narrow. If you want to get more fund choices, you can also consider the following ways:
Securities company purchase: banks generally cooperate or own securities subsidiaries, and you can choose to purchase funds through the channels of securities companies. Securities companies usually provide a wider choice of funds, and can also provide professional investment advice and services.
The skills of fund dividends can be used for reference:
Dividend stability: choose those funds with stable and continuous growth in dividends in history. Observe the dividend situation of the fund in the past few years to see if there is a stable source of cash flow and dividend record.
Balance between dividend rate and yield: dividend rate refers to the proportion of the annual dividend amount of the fund to the net asset value of the fund. A higher dividend rate may mean that the fund tends to pay attention to dividends and may affect the long-term growth of the fund. Therefore, it is necessary to balance the relationship between dividend rate and capital appreciation income. It is also important to comprehensively consider the fund's rate of return, growth potential and dividend level.
Choice of dividend method: There are two main dividend methods of the Fund: cash dividend and dividend reinvestment. The cash dividend will be paid directly to investors, and the dividend reinvestment will be automatically used to purchase more fund shares. Investors can choose the appropriate dividend distribution method according to their own needs.
Dividend cycle: Dividend cycles of different funds may be different, including monthly, quarterly or annual dividends. Investors can choose the appropriate dividend cycle according to their own capital needs and investment objectives.
Dividend history and management team: understand the dividend strategy and historical performance of fund managers, and have a deeper understanding of the dividend ability and stability of funds. At the same time, we should also pay attention to the ability and experience of the fund management team. Their decisions and operations will directly affect the dividend situation of the fund.
Are investment bank funds safe?
From the perspective of the banking platform, it is safe. As a third-party consignment platform, the bank will not be responsible for the fund products, but the funds inside will be audited by the bank, and there will be no false funds and no fraud.
From the perspective of the fund itself, different types of funds have different risks. Therefore, there is no guarantee that the money inside will not be lost, which means that it may be lost, and its security cannot be guaranteed. Investment is risky, so financial management must be cautious.
Is investment bank capital risky?
First of all, we must know that any wealth management product is risky, and so is the bank's funds. And the bank's funds are not necessarily issued by the bank. Many banks are consignment platforms. The safety factor of banks selling fund products to fund companies is the same as that of fund companies, with little difference, and banks will not be responsible for fund products.
Secondly, different types of funds have different risks. For example, the risks of money funds and pure bond funds are relatively small, while the risks of mixed funds, index funds and stock funds are relatively large. Investors can consider whether to buy according to their risk tolerance.
Why do funds make money and citizens don't?
Reason one: the basic people like to chase up and kill down.
Buying funds, many people like to chase up and down. When the fund goes up, they will think that the fund is good, so they can observe it again. Then, after the fund has risen for a period of time, they will be very optimistic about the fund and buy it. At this time, it may be buying at a high point.
However, when the fund rises to a certain extent, it will fall, because the fund is a fluctuating product. If the fund falls, the people will lose. At first, they may not be willing to redeem it, but when the losses are serious, they will redeem it and sell it at a low level. At this time, they will lose money, so there will be a situation where the fund makes money and the people don't make money. Therefore, when buying a fund, you must not chase after it.
Reason 2: I like to chase high-yield funds.
Many citizens prefer to chase some funds with relatively high returns, but the funds with high returns are also risky. If the citizens fail to redeem the funds in time, the funds may be trapped, and then there will be sustained losses. When investors are unable to bear the redemption risk, the fund will rise again, so investors will lose money, but the fund as a whole will not lose money.