I want to buy funds, but I haven t been in contact with them. Teach me

Bring your ID card and bank card to the bank to handle**You can buy ** after opening an account**.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

After mastering the above points, regular investment ** still has a good return.

I'm also new to **! The "Fuguo Tianrui" of the Agricultural Bank of China card I did**,**This one, it's okay if you don't understand, they have professionals to do it, and it's relatively stable, even if it falls, you can't lose much, so it's okay if you don't understand.

You go to the Agricultural Bank of China to talk to the tellers, they will give you a detailed answer, and ** is fixed from the card every month, you can take it out at any time! However, ** regular investment has a one-year period, how you can take it out in the middle, but you have to deduct the handling fee.

And their bank has selected the better **, and the ones they chose are all with better prospects! You can choose from the middle! It's better to choose a large company!

The remaining 3,000 yuan can buy 1,000 yuan**, you can choose a different one.

The rest of the money can be saved for a year or half a year, you can choose by yourself, and you can have interest! Although the interest rate is not very high, but you just bought it, don't buy too much, so as not to suffer a loss.

Look at my hard introduction, give me some points!!

Open the ABC card online banking, directly make regular investment, it is recommended to choose the index**, such as ChinaAMC 300

You can use your monthly savings to invest**.

Go to the Agricultural Bank of China to open a **company account, and then you can apply for ** at the counter; You can also open online banking and operate it directly online.

Very good! There are two types: open and closed, and the open can be purchased directly at the company, or through various banks. Closed** must open **account** and buy it like buying and selling**.

There are several types of open-ended, currency, bond, principal-guaranteed and open-ended. Currency**No subscription and redemption fee, the income is equivalent to a half-year to one-year deposit, which can be redeemed at any time without losing money. The subscription and redemption fees of the bond type ** are relatively low, and the income is generally greater than that of the currency type, but there is also a risk of loss, and the loss will not be very large.

**type** subscription and redemption fees are the highest, **assets are**, ** when ** there is a risk of loss, but if ****, there is a profit. Through long-term investment, the average annual return of ** type ** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is advisable to choose products from high-quality ** companies. For example, ChinaAMC, E Fund, Southern, etc., it is recommended to use the CSI 300 and small-cap indexes. You can open an account through the company, let the professional investment manager serve you, and some index varieties are free of handling fees through the company, which reduces your investment costs.

There is not much money, there is no need to disperse the regular investment, use time compound interest to make money for you, and concentrate on one or two **. **Regular investment should choose the back-end fee model, and the dividend method can be reinvested.

Banks or brokerages can buy it, recommend banks, and there are many safe choices.

Don't be blind, don't just look at the ** buy with a low face, generally speaking, the strong are always strong.

1. Choosing a good ** company is the primary issue, such as Huaxia, CIC Morgan, etc.;

2. Understand the corresponding risk situation, such as **type**, mixed type**, index type**, bond type**, currency type**, etc., **type risk is higher, bond type is relatively stable and the income is small, choose the one suitable for your investment goals;

3. Understand the return on investment and manager of the selected calendar year;

4. It is best to choose regular investment**, fixed date fixed investment every month, investment period of 3-5 years, you can choose back-end fees, reduce upfront costs, and some ** can choose volatility regular investment, please consult the bank financial counter staff for details.

Haven't been exposed to it before**it's better to choose an index**.

The only thing that can run past ** is the index**. There are two kinds of risks that are unavoidable when buying any company: one is the risk of changing with market fluctuations; The other is the risk to the company and the industry itself.

Therefore, among the many methods, the most suitable method for beginners is the index investment method.

The index has two key advantages: 1. Certainty. The rate of return is always in sync with the rate of return; 2. Low taxes and transaction fees.

Focusing on the enthusiasm of stock selection, investment managers must spend money to hire a large number of ** analysts, who are responsible for selecting and buying objects; Whether you buy or sell, you have to bear a large amount of transaction costs. Now I think the best is the ChinaAMC CSI 300, which is the largest in the index, and it can also track the index better. The best performance in the same kind of index ** is also a double ** manager, and Huaxia has strong investment and research strength.

This problem is a bit big, and you should first figure out the goal of buying ** before buying. Is it value preservation and appreciation? Is it to reduce investment risk? Or is it something else? How much to invest? For how long? Wait a minute. Asking in general terms can be difficult to answer.