Retail investors buying funds refers to the behavior of individual investors buying fund products directly. These investors may be ordinary employees, retirees, or start their own businesses, and cannot directly invest in high-value securities markets. Therefore, the existence of fund products is a very effective investment method for retail investors. By purchasing fund products, retail investors can obtain diversified investments in various securities, as well as the management and supervision of professional investment managers.

The advantage of retail investors buying funds is that they can obtain high returns in the securities market by purchasing fund products and diversifying their investments, thus reducing investment risks. In addition, fund products are generally managed by professional fund managers, so as to ensure product returns and asset quality. However, retail investors also have some shortcomings, such as the need to pay management fees, and the net value of funds is greatly affected by market fluctuations.

Retail investment funds need to master some basic skills. First of all, we should choose the right fund according to our risk preference and investment objectives. Secondly, before purchasing fund products, we should carefully study the benefits and risks of the products and understand whether the invested funds meet the requirements of laws and regulations. Finally, retail investors should pay attention to market dynamics, reduce risks and ensure asset safety. For beginners, choosing a stable fund can reduce risks, adapt to market changes and improve investment results.