People who know how to manage money make money every day, while those who don't often lose money. Therefore, if you want to manage money and make money, you must learn how to manage money. First of all, you need to master the basics of financial management. For example, to buy a fund, you need to be familiar with the basic rules of fund management. Bian Xiao shows you the basic knowledge of novice fund management.
How do financial novices get started?
In fact, financial novices do not advocate trying risky investment projects when they get started. First of all, they have no professional financial knowledge and experience, so they are easy to lose money.
Generally speaking, you can start with the balance treasure, put the existing money on the balance treasure to manage your finances, and earn a little income every day. The second is to buy funds, and there are many types of funds.
For example: money fund, bond fund, mixed fund, index fund, stock fund, etc. Novices can choose a good fund to hold for a long time from the aspects of past performance, fund manager, fund planning and establishment time.
Introduction to fund management
Understand what a fund is, put some funds together to achieve a certain purpose, and then invest. Profits are divided according to the controlling share, and losses are also borne according to the controlling share.
What funds are there?
It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
How does the fund make money?
Fund managers invest the gathered funds in targets, such as stocks, bonds, bank deposits, etc. , to achieve the purpose of value-added.
Is the fund guaranteed?
Funds generally do not break even, and money funds are the safest, and generally do not lose money. The risk of bond funds is higher than that of money funds, but lower than that of equity funds.
How to buy funds
It can be purchased through the channels of fund companies or on the exchange. OTC funds are generally bought on third-party platforms, such as Alipay and Tian Tian Fund.
Capital transaction cost
Refers to the expenses incurred in fund transactions, including subscription fees, subscription fees, redemption fees, fund transfer custody fees, fund conversion fees, etc.
The operating expenses of the fund include: fund management fee, fund custody fee, continuous sales method, securities transaction fee, fund information disclosure fee, accountant fee and lawyer fee related to the fund, expenses for holding the holders' meeting and other operating expenses that can be included in accordance with relevant state regulations.
What kind of fund can I buy to make money? You can buy a fund with a large room for net increase, strong fund managers and good development prospects to continue to make money. Choose those with a long history and good performance.
After reading the above introduction, I believe everyone has a clearer understanding of what is the basis of fund financing. Finally, I would like to remind you that funds belong to wealth management products. If you plan to buy a fund, you must correctly look at the risks of wealth management products.