Different investors have different risk preferences, and novices tend to be conservative or balanced. It is best to choose a fund that matches their risk tolerance.

Conservative investors are more suitable to invest in money funds, while cautious investors can choose bond funds. The risk of bond funds is slightly higher than that of money funds, but the decline is usually small.

2. Choose the fund investment method.

Fund investment is divided into one-time purchase and fixed investment. From the perspective of expected income, fixed investment and one-time purchase have no absolute advantage, but from the perspective of investment risk, fixed investment is better than one-time purchase. The fixed investment of the fund belongs to buying in batches, which not only relieves the financial pressure of investors, but also disperses the investment risk, and has low requirements for investors' fund selection ability.

Novices are usually not advised to buy equity funds or hybrid funds. Although the expected return is relatively high, the risk is also high. If you really want to participate, you can choose the way of fixed investment of the fund to dilute the investment risk.

3. Choose a new fund or an old fund.

Novices often have a soft spot for new funds, thinking that buying new funds is just like playing new shares, which will inevitably rise. In fact, the replacement cost of the new fund is lower than that of the old fund, but the new fund has almost no past performance to refer to, so it is difficult to judge its future development trend.

Reply time: 202 1-02-05. Please refer to the latest business changes announced by Ping An Bank in official website.

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