Now that the Internet is so developed, many investment products have started to connect with the Internet and established their own investment channels on the Internet, such as funds. We can also invest through online banking. So how do we buy funds in online banking?

How to buy funds through online banking?

Step 1: We go to the relevant bank, find the entrance page, and click to open the login page of the relevant bank.

Step 2: After entering the page, click the personal online banking login option and click to enter your online banking login page.

Step 3: After entering the login page, enter your account number and password, click the login button and log in to your online banking homepage immediately.

Step 4: After entering your online banking homepage, find the online fund option and click to enter the fund purchase page.

Step 5: In the pop-up fund product list, select the fund product you want to buy, and click the purchase option to enter the confirmation page.

Step 6: After entering the confirmation page, fill in the relevant information and click the confirmation button to successfully apply for the fund.

Method of selecting funds:

1. Understand the selected fund type.

In the face of complicated funds, how should novices choose? First, you need to confirm your risk tolerance and financial objectives, and then determine the type of fund to invest in. The risk is arranged from high to low, and there are the following types of funds: stock funds, balanced funds (stocks and bonds), bond funds and monetary funds. Of course, the more risky the fund type, the higher the income may be.

2. Understand the experience of fund managers.

By understanding the historical performance of the fund manager of this fund, we can see the management level of the fund manager. Generally speaking, if a fund manager can rank in the top 1/3 of similar funds for three consecutive years, then the strength of this fund manager should still be trustworthy.

3. Fund companies

Knowing the past earnings of all the funds under this fund company can basically judge the prospects of this fund. If the fund company has achieved sustained returns for investors for a long time, then the fund company should still be good.

4. Check the past performance of the fund.

Look at the fund's annual income fluctuations in recent years, as well as related risk factors. Generally, it is usually measured by three indicators: standard deviation, beta coefficient and Sharp index. The smaller the standard deviation, the better, and the risk of bag fluctuation is small; Beta coefficient is less than 1, the smaller the risk; The higher the Sharp index, the better, which means that the higher the return of the fund after considering the risk factors.