Novices can buy, sell or invest in funds by bringing their ID cards to securities companies to open Shanghai and Shenzhen trading accounts or opening accounts in banks. The minimum purchase price of funds traded on the floor is 100, such as Jiashi 300, and its current closing price is 0.857. It is enough for 90 yuan to buy 100 copies, and the cost is only 0.3%, but the off-site subscription fee of the fund is 1.5%, and the redemption fee is 0.

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3%, and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, namely 8 ETF funds, such as E Fund 100 ETF.

The advantages of Huaxia SSE 50 and AIA dividend ETF are low cost, 0.3% handling fee for trading funds in securities companies, no stamp duty, quick receipt of funds, immediate use, avoiding waiting for redemption for 4-7 days, and subscription of new funds with securities accounts will be refunded to investors.

Investors should have their own opinions when buying funds, and choose the investment products that suit them according to their risk tolerance. Any best fund recommendation is the most beautiful lie. If your risk tolerance is high, choose index funds such as Harvest 300, E Fund 100ETF and South 500. , you can get the biggest market income. If your risk tolerance is average, you can choose Morgan Stanley leading, Harvest theme and E Fund value growth. Hybrid funds such as Societe Generale Social Responsibility can also achieve better market returns. If you don't have the risk tolerance, you can buy some government bonds or bond funds such as Dongfang Steady, Huafu Income and ICBC Tian Li, and you can also achieve market income of more than 6% per year. You must pay attention to the following aspects when buying funds: 1. Choose a fund company with good performance, and choose a good fund variety in this good fund company, such as Huaxia, Yifangda and Jiashi in China at present. Industrial fund companies are all top fund companies, and their products can generally outperform the broader market. At present, Huaxia Bonus, E Fund Value Growth, Harvest Theme, Harvest 300 and Xingye Social Responsibility are all good fixed investment varieties. Of course, the safest margin is the closed-end fund with high discount, 1872 1 500056, and the discount is over 10% at present. Second, we must choose the right time to buy. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money.

Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, there is little risk in buying funds near the 3 100 point of Shanghai Stock Exchange, and the area between 4000 and 5000 points is a high-risk area, so that's it. Redemption at any time is right.