First of all, we should know that the fund is to collect all the investors' money and then give it to the fund manager for safekeeping. So how should a novice buy a fund? I have prepared the third lesson about novice financial management for you. Interested friends come and have a look!

1. What are the fund purchase channels?

Fund purchase channels mainly include on-site purchase and off-site purchase.

On-site subscription: refers to funds traded on exchanges, which are generally divided into Shanghai Stock Exchange and Shenzhen Stock Exchange.

Over-the-counter purchase: refers to all kinds of trading activities outside the exchange, which are generally purchased in bank apps, fund companies and third-party platforms (such as Alipay, WeChat and Tian Tian Fund Network).

Beginners can choose to buy on-site funds or off-site funds according to their hobbies.

2. When is the fund trading time?

A-share closing time: 3 pm, so the fund trading time is 3 pm.

3. How to screen funds?

One is to choose a good fund manager, and the other is to try to choose a fund with good past performance. Although the past performance does not represent the future, it will also have some reference. Generally speaking, funds can be divided into: money funds, bond funds, index funds, mixed funds, stock funds and so on.

If you don't want to take a big risk, you can choose a money fund or a bond fund. If you can take certain risks and want to get high returns, you can take an examination of index funds, hybrid funds and stock funds.

I hope the above content can help everyone!