First of all, choose the type of fund. Secondly, don't buy too many funds of the same type, because it is difficult to spread risks by buying too many funds of the same type. The higher the general similarity, the higher the probability of rising and falling together.
Funds are generally divided into: money funds, bond funds, mixed funds, stock funds, index funds, QDII funds and so on. Different funds represent different risks and benefits, as follows:
Monetary fund: mainly invests in bonds, central bank bills, repurchase and other short-term financial products with high security. And it will generate income every day, and the risk is minimal. Basically, it will not lose money, and it is more likely to make money, but if the principal is too low, the income will be extremely low.
Bond funds: Bond funds are those whose bond positions exceed 80%. According to positions, it can be divided into pure debt funds and partial debt funds. Some partial debt funds invest in stocks and manage wealth, which is somewhat coincident with hybrid funds.
Hybrid funds: Hybrid funds have no restrictions on stock positions, mainly depending on how fund managers match. Stocks, bonds, and wealth management can all be matched. The risks of hybrid funds are generally relatively large, so investors should pay attention to their risks when buying.
Equity funds: According to the regulations of the CSRC, the stock position must be above 80%, that is, no matter whether the market is good or not, you must buy more than 80% of the shares, so the risk of equity funds is great. Novice Xiaobai should choose carefully when buying stock funds, otherwise it is easy to lose money.
Index fund: Generally speaking, a fund is a combination of a basket of stocks, while an index fund buys or builds stocks according to some algorithmic rules, without human factors.
QDII fund refers to a securities investment fund established in a country and approved by the relevant departments of the country to engage in securities business such as stocks and bonds in overseas securities markets.
The real battle is to recognize the types of funds. You can buy funds with Alipay. The threshold is not particularly high. 10 yuan can start buying. You can buy a small amount of funds to test the water first. When choosing a fund, you should pay attention to the following points:
1. Choose excellent fund managers. Because investment funds give money to fund managers to invest, it is very important to choose a good fund manager, followed by the fund manager's past performance and experience in managing funds, background information, employment return rate and so on.
2. Try to choose top funds. Generally speaking, it depends on the ranking of the fund and the performance ranking of the fund in the past year and three to five years. It is relatively good to choose the top 25% funds for five years, three years and one year.
3. Buy low and sell high. When buying a fund, try not to chase after it. The risk of chasing is great. When buying, choose the fund with good performance in the past, and then consider the fund size, fund ranking, fund manager and fund type. And choose your favorite one in many ways, buy low and sell high to make money.
In fact, funds are not difficult to learn. I believe it is not difficult as long as you pay more attention to the basic knowledge of the fund. Just pay attention to their risks when buying, because funds are volatile products, which are different from bank deposits and may lose money. Therefore, when buying, you should consider the risk range you can bear, choose the fund that suits you, and don't blindly follow suit.