After opening online banking, log on to the online banking on the website of Bank of China. There is a fund option in investment and financial management. After you open the fund (this can be opened directly online or at the counter, but the counter is only open from 9: 00 to 3: 00 on Monday to Friday), you can buy it. Just select the fund you want to buy in the selection fund and fill in the amount in the next column. You can check the transaction after 4.5 days.

2. Generally, the fixed investment needs to be held for a long time to be effective, and it also depends on the rise and fall of the whole market.

3 Fund dividend means that the fund distributes part of the income to fund investors in cash, which is originally a part of the net value of the fund unit. Therefore, investors actually get the assets on their books, which is why the net value of fund shares fell on the day of dividends (ex-dividend date).

According to relevant regulations, fund dividends need to meet the following three conditions:

First, the fund can only be distributed after the income of the current year makes up for the loss of the previous year;

Second, after the distribution of fund income, the unit net value cannot be lower than the face value;

Third, if the fund investment has a net loss in the current period, it cannot be distributed.

There are two main ways of fund dividend: one is cash dividend, and the other is dividend reinvestment.

4. Fixed investment mainly depends on the income of the fund and the projects they invest, as well as the management ability, which should also be considered comprehensively.

5. Fund portfolio does not mean that the more funds you buy, the better, nor does it mean that buying a bunch of funds makes you feel a good fund portfolio. If more than a dozen funds you buy are equity funds or hybrid funds, it is not a fund portfolio.

Generally speaking, it is a good choice to buy stock funds when the stock market is hot. When the market changes, investors need to diversify some funds and invest in some low-risk bond funds and money funds, just in case.

One thing to be reminded is that when building a fund portfolio, we should also pay attention to the fact that there should not be too many eggs in the basket. Generally, it is enough to choose 4 to 5 funds. If you buy more than 10 funds of various types in one breath, it may be difficult to take care of the performance and analysis of each fund with your limited time and energy, although the investment risk is dispersed.