As the saying goes, "you don't have to worry about food and clothing, life and planning", which is family financial management. As an ordinary person, why should we manage our finances? What are the benefits of financial management? Here, I want to tell you that the first step in our financial management should be to know ourselves. Start by recognizing your own financial management stage. The following four ways to share some common funds for your reference.

Four common ways to buy funds

Bank:

Buying funds from banks includes offline outlets, online banking and bank apps. Its advantages are mainly that there are many offline outlets, wide channels and many types of funds, and it is possible to buy products from different fund companies. In addition, offline outlets can also consult bank staff, which is more suitable for elderly investors who are not good at using mobile phones. However, going to the bank to buy funds has many disadvantages, such as higher subscription fee, less discount, complicated operation process and poor user experience.

Fund official website:

Fund official website timely and comprehensively updates information, such as daily net value and major announcements. Compared with banks, the subscription fee is lower. After all, people sell directly, and there is no middleman to make the difference. However, each fund company only sells its own funds, and it is more troublesome to register with other fund companies if you want to buy funds from other companies. Wealth Jun does not recommend this method.

Securities trading software:

This is a traditional way of fund purchase. If you buy stocks, you must be familiar with this method and have higher security. Because of the strict supervision of brokers, there will be almost no financial problems and running away.

You can open an account online directly through the website and APP. Opening an account is complicated and involves many steps. You need ID photo, video verification and risk assessment, but there are many kinds of funds (open-end funds, index funds, closed-end funds, lof funds, stocks, warrants and bonds, all of which can be bought and sold). It is suggested that you prepare a securities account to buy on-site funds, which is more convenient.

Third-party platforms:

Third-party platforms are similar to fund supermarkets. For example, Tian Tian Fund Network, Ant Fortune (formerly known as Ant Fortune), JD Finance and Straight Flush Fund all belong to third-party platforms. Not only are there many fund products, but the product configuration of various risks is also very complete. Not only can you trade online, but you can also trade on the mobile phone client, which is very convenient to operate.

Because fund companies support third-party platform sales, they will also cooperate on discounts, and the subscription fee is generally 1%. Overall, the experience of third-party platforms is better.

When will the fund be bought and sold?

The question you asked is beautiful, so you know it's intentional.

I had the same problem with you a few years ago. After several years of practice, hard facts are better than any clever propaganda.

Like stocks, funds also have the problem of buying time.

Funds are different from stocks, and the high selling and low sucking of funds are very different from stocks.

There are three different reasons. First, the handling fee for fund transactions is much higher than that for stocks. Second, fund companies are managed by managers, and managers are trying to find ways to increase the value of funds as much as possible; Third, there are several types of funds, and the differences between different types are also great, so we can't generalize them.

Generally speaking, most of the funds are linked to the stock market. These funds fluctuate with the rise and fall of the stock market, and when the stock market plummets, such funds also fall miserably. The so-called fund cannot be moved after being bought, and must be held for a long time. It's all for people who don't know Can ordinary people not feel sad when they see that their funds have shrunk dramatically? However, most people who buy funds are just people who don't understand the stock market. Can only be helpless.

The timing of buying stock funds and partial stock funds is very important. Anyone who buys at the bottom before the start of the stock market or before the rise will make a lot of money, while those who buy at the later stage, especially at the peak, will definitely lose a lot. Therefore, it is the best fund operation strategy to buy stock funds in the downturn of the stock market and sell them in the peak period.

In other words, ignoring small fluctuations and grasping the big market is the way for the people. Investors are: short-term speculation must be played, and long-term only catches dark horses. Obviously, there is a big difference between a good citizen and a good investor.

Choosing a fund is the same as choosing a stock. You should choose a good fund. The level of fund managers varies greatly.

Finally, the type of fund.

If you want to make a lot of money, choose the stock type, but there are risks. Choose a currency type with no risk tolerance. No matter how the stock market falls, the money fund will basically not lose money, and the income is mostly higher than that of bank deposits. There are also bond funds, which are much less risky and have much higher returns than money funds, but they are still much worse than stock funds.

It can be seen that when the stock market is in a downturn, buy stock funds, sell them at a high level and switch to monetary funds, and then reverse when the stock falls. This is the best operation of the fund.

The staff of the bank asked me, and I suggested the same thing. They can't sell the fund. They have a mission.

If you are not a fund salesman, you will understand that I am a strange friend from afar, and I am talking about psychology.

When is the right time for the fund to buy? ! !

First of all, you need the knowledge you have learned and the stock base you want to buy. Look at the minimum purchase amount and purchase rate.

Remember, if you are also a stock-based net value that keeps changing, then you must remember to buy before 3 o'clock that day, because after 3 o'clock, the stock-based net value you buy will be the unknown net value of the next working day.

Of course, even if you bought it before 3 o'clock, it doesn't mean that the net value is the net value you saw after 2 o'clock at that time, because this is only an estimate, and the real net value will not be cleared until after 19 o'clock on the same day. At this time, you can go to the fund account you bought.

Obviously, the net value has gone up, but the income after selling is negative?

Uh-oh, dear, don't forget, you paid the subscription fee when you bought it, and you still have to pay the redemption fee when you redeem it. Once and for all, you bought it at 1000, and at least you have to earn 20 yuan to get it back, so when the stock base rises, you must make sure to sell it again.

Do you choose front-end charging or back-end charging?

Answer: If the holding time is short, choose the front-end charging;

If you hold it for a long time, you will choose the back-end charge.

So what is a long holding time?

A: It will take three to five years anyway.

When can I consider selling stock base?

A:

1, please set your own profit price. For example, if you want to sell when the profit reaches 10%, then sell when the profit arrives. People are most afraid of greed. Many people planted in the stock market and fund market are caused by greed and terror.

2. Please set a stop loss point. Buffett, a famous investment guru, once pointed out that the principal must be preserved. Only by cutting the meat can you catch the wolf. Otherwise, you can only wait for your principal to disappear.

3. When the fund manager leaves and is replaced by a new manager with poor historical performance, please consider whether to flee.