Detailed operation steps of ICBC online fund purchase

Fund purchase: purchase or subscribe for the invested fund products.

Operating steps:

Step 1: In the "Online Fund" menu, select "Fund Transaction-Fund Purchase".

Step 2: The system will automatically return the information of various fund products represented by the bank, including the fund products currently being issued by the bank.

Step 3: Click "I want to buy" in the operation bar of the fund to be purchased.

Step 4: Enter the quantity to be purchased. Click "Confirm" to make the transaction.

Step 5: Confirm the transaction information. After the transaction is successful, your funds will be temporarily frozen, and the funds will be officially transferred after the fund company confirms it. Please pay attention to inquire about the fund account and the change of fund account balance.

Matters needing attention

1, first purchase amount = personal minimum purchase amount+transaction level difference ×N(N is an integer); Additional purchase amount = personal minimum additional purchase amount+transaction level price difference ×N(N is an integer).

2. Front-end fees refer to the handling fees that need to be paid when subscribing and purchasing funds; Back-end charges refer to the fact that there is no need to pay the handling fee when subscribing and purchasing funds, but the handling fee is paid at the time of redemption, and the handling fee decreases year by year with the increase of the number of years of holding funds; Please check with the fund management company for details of fees.

3. When purchasing funds, if the trading hours are not within the normal trading hours of the fund market, we will process your purchase trading instructions within the next trading day.

Noun explanation:

Front-end charge: refers to the payment method for investors to pay subscription fees when they buy open-end funds.

Back-end charge: refers to the payment method that investors do not pay the subscription fee when buying an open-end fund, and then pay it when selling it. Back-end fees are designed to encourage investors to hold funds for a long time. Therefore, the rate of back-end charges will generally decrease with the growth of holding funds. Some funds even stipulate that if investors can hold the fund for more than a certain period of time before selling, the back-end fee can be completely exempted.

2. Diversified investment can avoid the unsystematic risk of the market, and long-term investment can avoid the risk of economic cyclical fluctuations. When investors plan the use of funds, if they plan to invest for more than 65,438+00 years, then the timing of intervention is not very important. Based on the good expectation of China's economy, there is nothing wrong with buying its shares at any time. However, if it is a short-term investment for one or two years, it is necessary to weigh the stock funds or index funds above 6000 points.

As I said when I answered other people's questions before, index fund is the first choice for fixed investment, because it is less interfered by human factors and only passively tracks the index. In the case of long-term economic growth in China, long-term fixed investment is bound to get better returns. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.

Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. According to American market statistics, since 1978, the average performance of index funds has exceeded 70% of active funds.

Therefore, I suggest that you mainly invest in index funds, so that the income will be higher in the long run!

I recommend Harvest 300 and Dacheng CSI 300.

Jiashi 300: Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexation investment, strives to obtain the average rate of return of the China stock market represented by the index, and provides investors with an effective investment tool for investing in the Shanghai and Shenzhen 300 Index. The Fund believes that China's economy will maintain sustained, stable and rapid development, laying a solid macroeconomic foundation for the long-term development of China's securities market. The Shanghai and Shenzhen 300 Index can fully represent the China stock market. The fund invests in the stocks of the Shanghai and Shenzhen 300 Index through indexation investment, which provides an effective investment tool for investors to share the fruits of China's economic growth.

Among the index funds, Harvest CSI 300 Fund invests in financial instruments with good liquidity, and the fund makes passive index investment, thus effectively tracking the CSI 300 Index and seeking to share the fruits of China's economic development through the securities market. It can be said that the fund invests in the Shanghai and Shenzhen 300 index stocks through indexation investment, which is equivalent to putting the China stock market in one basket, and provides an effective investment tool for investors to share the fruits of China's economic growth.

Dacheng CSI 300

Recommended reason: An important starting point of choosing a fund for fixed investment is to spread risks and reduce the average cost, so it is advisable to choose stock funds with large fluctuations, especially index funds. Although the stock index is unpredictable in the short term, in the long term, the stock index always rises, and it is difficult to accurately grasp the market hotspots by actively investing in stock funds. Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. Based on the principle of fitting and tracking the Shanghai and Shenzhen 300 Index, the Fund conducts passive indexed long-term investment, and strives to obtain the average yield of the China stock market represented by the index. Since the establishment of China Capital, the compound annual growth rate of the Shanghai Composite Index has exceeded 20%, and the constituent stocks of the Shanghai and Shenzhen 300 Index are the top 300 heavyweights in the two cities, covering about 60% of the market value of the Shanghai and Shenzhen markets, with good market representation. The fund's past performance is outstanding among similar funds, and it is suggested that it can be used as one of the first choice funds for fixed investment. The manager of the fund is Dacheng Fund Management Company, which was established in 1999. It is one of the first ten fund management companies approved to be established in China. As of September 2007, the fund assets under management reached about 1 1000 billion yuan, making it one of the largest fund management companies in China.

In addition, in the face of the current stock market, I personally give you some suggestions:

1, in terms of fund portfolio, you can choose some balanced funds, accounting for about 20% of positions, and allocate some hybrid funds in light warehouses to diversify investment risks. When I answered other people's questions before, I said that any fund can be held for more than three years. However, it is better to pay attention to the products of some big companies, such as Nanfang, Bosera, Huaxia and Jiashi. These companies are strong, large-scale, long-term and relatively more secure.

In this regard, my recommendation is: Huaxia returns.

Huaxia Return is an allocation fund with large-cap stocks as its main investment. The style of the Fund is very stable, especially since the current round of market adjustment, Huaxia Return has been relatively cautious in controlling positions and has greatly reduced its positions, effectively reducing market risks; From the perspective of industry allocation, the Fund focuses on the allocation of mainstream industries, such as finance and metals. However, it still shows strong flexibility in quarterly industry adjustment and configuration adjustment. Judging from the characteristics of shareholding, Huaxia's return shareholding is relatively stable, and the turnover rate is relatively lower than the same type. However, when the market trend changes, the adjustment of the fund remains firm, which is conducive to the fund's grasp of investment opportunities.

Affected by the sharp decline in the basic market, Huaxia's foresight and cautious operation method of income are worth learning from many funds. Since the third quarter of 2007, the fund has been cautiously reducing its positions by as much as 20%. At the same time, the allocation of bonds and cash assets has kept the fund's performance relatively stable for a long time. This also makes the fund highly sought after, and the scale of the fund has also expanded rapidly. At this point, Huaxia's return is consistent with Huaxia Fund's large-scale cautious operation, which is also the reason why Huaxia Fund has a relatively small decline in this round of adjustment.

Judging from the market performance in the past two weeks, Huaxia's return has remained basically stable. Therefore, on the whole, China's return has high investment value.

2. I still think that we should seriously study their respective products, find out what suits us, rationally lay out when it is not crazy, and pay more attention to the fund's portfolio, whether it includes large companies. Now the semi-annual report has come out to see if their portfolio has changed little compared with before, and whether it is consistent with their company's investment philosophy.

3. Be sure to use spare money to buy equity funds. As I said before, if it really doesn't work, then invest in money funds or bond funds with less risk. You should use your head to think about your investment strategy instead of blindly following the trend. The worst death in the stock market is chasing up and killing down.

The bond fund itself recommends: Changsheng Bond.

Changsheng CITIC Total Bond Fund is a bond enhanced index fund, which tracks CITIC Total Bond Index. But in fact, the investment characteristics are similar to those of partial debt mixed funds, and its stock investment ratio does not exceed 15%. The fund's shareholding style changes with the market situation. In 2006 and 2007, he held large-cap stocks and accumulated certain income. Holding large-cap stocks in 2008, timely avoiding the risks brought by the adjustment of large-cap stocks. As the only bond fund that tracks the total debt index, we are optimistic about the late performance of Changsheng Bond.

I wish you success in your investment! ~~