Securities investment fund is a kind of collective investment and financial management method for investing in securities with * * * income * * * risk. According to the risk, funds are divided into stock type, mixed type and currency type. You can invest according to your own situation. If you invest for a long time, you can diversify your investment and buy several funds together. You can also decide how to invest according to your personality and financial situation. There is basically no long-term fixed investment of the fund (more than three years). Recommend bond funds. To buy a fund, it is generally one yuan, the minimum subscription is 1 1,000 yuan, or a multiple of 1 1,000 yuan. Fixed investment generally requires 200 yuan/month. Buying a fund is self-financing, and bond funds can basically protect their capital for more than one year. Good varieties can expect income 15%. Such as Harvest's steady income (070020). Bond funds refer to funds that invest 80% in bonds. Equity funds refer to funds that invest 60% in stocks. The difference between the two lies in the difference between risk and return. Stock funds have risks and benefits. The risk of bond funds is relatively small, and of course the income is also small. . . Mainly depends on the investor's investment purpose and risk-taking ability. Beginners buy funds (quoted from the head of the delegation) 1. 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. We have preferential securities companies to buy funds: the subscription fee is 0.3%, and the redemption fee is 0.3%. Recently, the fund market has fallen with the stock market. At present, the market fluctuates, and so does the fund. At present, this area is a low-risk area. The funds concerned can focus on leading varieties and choose according to their own risk tolerance. Investors with high risk tolerance can pay attention to index funds. If they have no risk tolerance, they can pay attention to bond funds. The same is true of investment funds. When choosing a fund that suits you, you should follow the following four principles: principle 1: determine the nature of the fund. First of all, the daily expenses must be kept for 3-6 months, and the remaining money can be used to consider investment. When investing, we should consider both income and risk. If you invest all your daily household money, on the one hand, it is difficult for you to maintain a calm investment, which is also unscientific from a professional point of view. Principle 2: determine the term of use of funds. Open-end funds can be purchased and redeemed every day, but I still think that investment funds should consider the medium and long term, preferably 3 to 5 years or even longer. When investors consider investing, it is best to first determine the period during which funds can be used.