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How do novices buy funds?
Novices can buy funds through official website or some third-party consignment platforms, such as banks and Alipay. When purchasing funds, the following factors should be considered:

1, historical performance of fund managers

The historical performance of fund managers reflects the investment level of fund managers to a certain extent and affects the trend of fund net value. Investors try to choose funds with good historical performance to invest.

2. Fund investment objectives.

The trend of fund investment target will also affect the trend of fund net value and investors' expectation of future income. Investors should choose those funds whose fund targets are on the rise and have great development potential and prospects.

3. Market situation

When the market is in a bear market, investors try to choose bond funds and money funds to avoid risks. In the bull market, investors try to choose equity funds to obtain greater expected returns.

4. Capital withdrawal rate and standard deviation.

The standard deviation measures the fluctuation range of the total rate of return in a certain period. The greater the standard deviation, the greater the possible fluctuation of the future net value of the fund, the smaller the stability and the higher the risk.