Recently, many people want to buy funds online, but they don't know where to start. They are also new to the fund.

However, at present, a selected fixed investment has been successfully made online. The steps are as follows:

1 Deal with bank cards and open online banking business.

First, apply for a bank card at ICBC and open online banking business. If you have a bank card,

You can go directly to the bank to open online banking business (this is free), and the bank will give you one.

Password card for online banking.

2 Open a fund account

If you are a fund, you must first open a fund account, click on the website of the bank, log in first and click on someone.

Online banking, then enter your account number, password and verification code, come in and click "online securities"-

—— There are application accounts in the online fund drop-down menu of "online fund", including several accounts.

I don't know what the bank fund trading account I applied for has to do with any accounts in TA, but this must be available.

Wait until the research is clear. Then fill in some information and submit it. So you can apply for an account.

Yes

3 buy a fund.

Make sure you are logged in. Then click "Online Securities"-"Online Funds" under it.

There is "My Fund" in the drop-down menu. You can buy, redeem or set a fixed investment. Set it up

Just click it, and finally you will be prompted that the operation is successful.

This is the general situation. If there are any imperfections, please add them.

You can choose a fixed investment of one month 100.

The fixed investment of the fund can be entrusted to the bank or directly to the fund company. If an investor chooses to make a fixed investment in a bank, he/she needs to go to the counter of the designated agency for the first time, sign an application form for regular fixed investment plan, and stipulate the monthly deduction time, deduction amount and deduction method. The specific steps are as follows:

1. First, bring the original and copy of my ID card to the bank to open a fund account (if there is no bank account, you need to open a bank account, if there is, you can bring a passbook and a bank card) and sign a fixed investment agreement with the bank; Then make sure that your bank account is fully debited every month.

2. If a fixed investment is made, it should be a long-term investment. Now you can choose a fund with a lower net worth. If you invest a lot of money, I suggest you choose two or three funds (don't put your eggs in the same basket);

3. At present, banks with fixed investment generally only provide stock funds and index funds, because large fluctuations are more beneficial to fixed investment; If it is a fixed investment, it is best to choose a fund with large fluctuations.

Fixed investment requires sufficient balance in the account. As long as there is enough balance in your account, the bank will automatically deduct the money on the deduction day. However, it should be noted that consignment banks have different regulations on fixed investment and different deduction dates, so it is necessary to prevent the failure or termination of fixed investment due to insufficient funds.

If the account balance of Bank of Communications and China Construction Bank is insufficient and the deduction is unsuccessful on the transfer date after the agreed date or holiday, even if the account defaults once and the transfer is unsuccessful for three consecutive months, the fixed investment plan will be automatically terminated.

ICBC is different. Generally, the fixed investment business is recorded on the first trading day of each month. If the balance is insufficient, the system will automatically scan. No matter what day of the specified month, as long as the funds in the account are full, the deduction will be made automatically. It should also be noted that the investment plan will be terminated if it fails to plan successfully for three consecutive months and defaults for three times. So make sure the account is rich.

In addition, investors should understand the calculation rules of default: if the current balance of the investor's fund account is insufficient, the current deduction subscription is unsuccessful and the number of defaults is increased once. In the next period, the system will not only deduct the subscription money of the previous period, but also deduct the subscription money of the current period. If the subscription of the previous period and the subscription of the current period are successful, the number of defaults will be reduced by one; If the supplementary subscription is successful and the current deduction subscription is unsuccessful, the default number will remain unchanged; If the supplementary deduction subscription and the current deduction subscription are unsuccessful, the number of defaults will be increased by one; And so on.

Take a comprehensive view of the fund's regular fixed investment

At present, almost all fund companies have started regular fixed investment business. Industry, construction, agriculture, China, Bank of Communications, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank and China Guangfa Bank all have fixed investment, but the fund companies and types of fixed investment are different. After a long period of repeated publicity, the fixed investment has been recognized and accepted by most people. Here is a brief review of all aspects related to the fixed investment of the fund, hoping to help investors.

1. What is a fixed investment?

Fixed investment refers to investing fixed funds in the same designated open-end fund on a fixed date (such as the 8th of each month).

The investment cycle can be once a week, once a month/kloc-0, or twice a month. The starting point of each investment amount stipulated by each fund company is slightly different, the lowest is 100 yuan, mostly in 200 yuan, and it is accumulated by integral multiples of 100 yuan, and there is generally no upper limit. As an innovation of fixed investment, a number of fund companies and Industrial and Commercial Bank of China jointly launched "Jizhi Fixed Investment", which implemented "fixed time and no quota". According to the fluctuation of the stock market on the day before the designated subscription date, the system automatically adjusts the investment amount within a certain range; If it goes up, it will go down, and if it goes down, it will go up, which embodies the principle of "buy low". Investors can apply for fixed investment at the correspondent bank counter after selecting the fund type, or sign a fixed investment agreement on the websites of online banking and fund companies to stipulate the deduction period, amount and fixed investment period. On the agreed date, the bank card will automatically deduct money. If the bank card balance is insufficient, resulting in unsuccessful deduction for two or three consecutive months (banks and fund companies have different regulations), the fixed investment will be automatically terminated.

Second, the characteristics of fixed investment

1. The key to the profit and loss of fund investment lies in the timing of buying (subscription) and selling (redemption) and the choice of fund types. Comparatively speaking, the choice of timing is more important than variety, and it is much more difficult. The net value of the fund rises and falls with the rise and fall of the stock market, so it is particularly important to analyze the stock market outlook. However, it is impossible for ordinary investors to have such professional knowledge and skills. They just decide the timing of entering and leaving the market according to the feelings and hearsay of the supervisor. They may buy at a high level and sell at a low level, making it difficult to obtain the expected returns. Fixed investment is a phased investment, and the investment cost is high or low, which is relatively low in the long run on average, playing the role of leveling costs and diversifying risks. Compared with single purchase, fixed investment is much less important for timing, and some even publicize that "fixed investment can not consider timing".

2. For the "moonlight family" and working families who stay behind after the living expenses are removed, the fixed investment is similar to the zero deposit and withdrawal, and has the function of "compulsory financial management". After a small amount of investment, over time, sand will accumulate into a tower, and a considerable amount of assets will be accumulated in a few years.

3. Many salesmen of financial planners, banks and fund companies unanimously declared that fixed investment is suitable for investors with low risk tolerance. This is obviously misleading! It should be said that stock investment is a high risk, and buying a fund is to entrust a fund company to invest in a stock portfolio, which is a low high risk; Fixed investment of the fund is a way to reduce high risk to medium risk, and it is by no means low risk.

Three. Duration and redemption of fixed investment

Some analysts told investors that the longer the fixed investment time, the higher the income, so we must persevere and never give up halfway. This is unrealistic propaganda. The stock market cannot grow steadily every year. If there is a big bear market in the deadline of fixed investment, or the market collapses in the process of fixed investment, the income will be greatly reduced or even huge losses will be generated. According to the calculation of the well-known domestic fund research institution-Good Buy Fund Research Center, if an investor started to invest in the "Huaan China 50" index fund in February 2002, the cumulative rate of return by the end of February 2007 was 144.83%, but by the end of February 2008, it had plummeted for one year. From the perspective of foreign markets, if February 28, 2009 is the deadline for fixed investment, the Standard & Poor's 500 Index will make a long-term fixed investment of 10, with a loss of 43%; The yield of fixed investment for 20 years is only 5%, which is far less than that of bank deposits. These conclusive data are enough to fully explain that "the longer the investment, the better" is purely misleading! Wang Qunhang, a senior analyst at Galaxy Securities, pointed out that "the long-term fixed investment of funds is relative, and there is no absolute rigid fixed investment of funds." He also pointed out that at present, almost all fund companies recommend to all investors, and all funds can make fixed investment at any occasion and at any time, which is debatable. This gives us profound enlightenment to avoid misleading.

The fixed investment period depends on market conditions. If the market outlook will enter the downward channel, the fixed investment that has been handled should avoid risks and be redeemed or converted in whole or in part to make the income safe or avoid expanding losses. For example, the original plan was to invest for five years. After three years of deduction, the stock market has reached the top of the stage. If you are about to turn into a bear market, you should resolutely redeem it, take profits and avoid loss of income. During the fixed investment period, the stock market reaches the expected index and the income reaches the expected target, so it is necessary to consider adjusting the strategy, redemption or conversion.

It should be noted that only the super-average cost can make a profit when redeeming. The profit and loss point of the fund's fixed investment is not the arithmetic average of the net value of each fixed investment, but should be estimated by dividing the total fixed investment by the total share actually purchased. Only when the net value of the redeemed fund exceeds this profit and loss point can it be profitable.

According to the regulations, even if all the fund shares of fixed investment are redeemed, the fixed investment agreement has not been terminated. As long as there is enough balance on the bank card, it will still be deducted regularly. And don't think that all redemptions are the cancellation of fixed investment!

4. Timing of fixed investment and selection of fund varieties

It is true that the timing of a fixed investment is far less important than a single purchase, but the timing of starting a fixed investment is still very particular. The ideal start-up time should be that the stock market is in a downward channel, but the market outlook is obviously optimistic and will soon "turn more". The stock market rises repeatedly but fluctuates greatly, which is most suitable for fixed investment.

What kind of fund should I choose for a fixed investment? First of all, it must be clear that not all funds are suitable for fixed investment. Generally speaking, there are at least two types of funds: active and stable. Whether in a bull market or a bear market, the performance is good, which can help investors get higher returns to the greatest extent. If it is difficult to choose, you may wish to invest in index funds.

5. Is the return of fixed investment higher than that of single purchase?

It must be clearly said: not necessarily!

After careful and rational analysis and thinking, we can draw such a conclusion: in the bull market, the income of fixed investment is lower than that of single purchase; In the bear market, the income from fixed investment is higher than that from single purchase; In a volatile market, investors' operating skills should generally be no less than a single purchase.

In addition, I found that the benefits of buying funds online are quite many, except that you don't have to wait in line at the bank, you can also get a discount.

Discount, very affordable.

Seven steps to buy a fund

The first step is to understand the various types and risks of funds. Any investment is risky, so it is important to know how risky the investment varieties are. Only by knowing the risks can we effectively avoid them.

The second step is to choose the right fund type.

Generally speaking, according to investors' family financial situation and risk tolerance, funds are divided into conservative, steady, balanced, confident and enterprising. Investment experts suggest that conservative types can buy capital preservation funds; Moderate type can buy money market funds or bond funds; Balanced type can buy allocation funds, which is more flexible. When the market is bad, they can reduce their stock positions, invest in bonds and other varieties to avoid risks, and increase their stock positions when the market is good; Self-confidence can buy some allocation or equity funds; Aggressive type can invest most of its assets in stock funds and allocate money market funds with good liquidity appropriately, but it must have certain risk tolerance.

The third step is to choose a good fund company. Fund management companies are investment management institutions, and the ability to invest and support customers is the most important. A good company should have good management and good service.

The fourth step is to understand how to buy a fund and the expenses incurred by buying a fund. At present, the main channels for purchasing funds are banks, brokers and other consignment outlets, as well as direct sales counters and online purchase platforms of fund companies. The expenses incurred by purchasing funds generally include subscription fees, subscription fees, management fees and redemption fees.

The fifth step is to pay attention to the disclosure of various fund information after buying a fund. First of all, we should pay attention to the performance of investment funds and the information disclosure of the funds we hold. Secondly, we should analyze all kinds of evaluation data of funds and pay attention to the research data published by some authoritative research institutions, such as open-end fund evaluation table, open-end fund performance ranking table and open-end fund position calculation table.

The sixth step is to understand the precautions for fund dividends. There are three conditions for fund dividends: first, it should be profitable in the current period; Second, the current profit should make up for the loss; Third, the net value after dividends is still above 1 yuan. There are two ways of fund dividend, one is cash dividend, and the other is dividend reinvestment. The advantage of dividend reinvestment is that it simplifies the reinvestment procedure and can reduce the subscription fee.

The seventh step is to pay attention to two key businesses.

The first is the fund conversion business. The fund conversion business is suitable for the products of the same fund, that is, when there is risk, investors will convert the fund with higher risk to other products with lower risk of the same company. The handling fee for fund conversion is often more favorable, and investors can effectively maintain and increase the value of assets according to specific market conditions. The second is the fixed investment business. It is to agree with the bank to buy the products of the fund company at a certain time and amount. This business is a bit like the deposit and withdrawal business of banks, which avoids the risk of long and short stock market and the risk of net capital fluctuation.

1. The minimum amount of one-time subscription of the fund is generally 1000 to 5000, and the minimum amount of fixed investment is 100 to 500. Banks are different from fund companies.

2. There is not necessarily only one bank selling funds. A fund can be sold in ABC, ICBC, Bank of Communications and Bank of China. So you may be able to buy funds bought by other banks at ABC. Most funds issued in the market can be bought at several banks at the same time. You can go online to see which funds can be bought in which bank.

You can bring your ID card to the bank counter and buy it directly. You can also open online banking in the bank and buy online at home; You can also buy it online on the website of the fund company.

Bank of Communications charges low, services are good, and there are many consignment funds. You can go to Bank of Communications to open online banking.

China Merchants Bank's online banking is more professional and can be opened in China Merchants Bank.

4. At present, many good funds have suspended their subscription, depending on the announcement of the suspension fund company, and when they open their subscription, they can buy them.

5. The new fund is not a new share. After the new fund is raised with a face value of 1 yuan, it is a basket of cash, and its later performance depends more on the fluctuation of the stock market. After the fund is raised, it enters the opening period and gradually buys stocks. If the stock market continues to rise in the process of opening positions, the new fund will increase its pursuit of high-quality stocks, which will also increase the cost of opening positions, while other old funds will benefit from the rise in stock prices because of the opening of new funds. Because these old funds basically hold blue chips, and their positions are high, if the stock market rises, the net value of the old funds will rise faster, and the new funds will only contribute to the income of the old funds, especially the investment ideas of the funds under the same fund company are relatively close. After the establishment of the new fund, Jiancang contributes more to the old fund under the same company, so the performance of the old fund will exceed that of the new fund when the stock market rises sharply, and investors can rationally choose the fund company with strong comprehensive management ability to set up the old fund with better historical performance; If the stock market falls in the process of opening positions, the new fund will also be driven by the stock market decline and cause asset losses, which is completely different from the new shares. When the stock is listed, the IPO price will basically exceed the issue price and obtain a safe excess return. However, the new fund is a product of buying and selling stocks and other assets. It will also be affected by the fluctuation of the stock market, and the net value will also fall when the stock market falls. After the open subscription and redemption operation, the net value of the fund may be lower than the face value, which makes investors lose money. Therefore, investors should be cautious when investing in funds during the stock market decline, and they may not necessarily make money as long as they buy new funds; If the stock market is adjusted in the process of opening positions, the new fund is superior to the old fund already in Takakura, and it can selectively buy low-cost stocks to obtain the later rising income. At this stage, the advantages of the new fund are more prominent. The above analysis shows that investing in new foundations has losses, but it is not completely risk-free. Investors should choose funds to invest according to different market environment, and it is not that they can make money by buying new funds.