How should a newbie buy a fund?

Hello friends, the steps to buy ** are very simple. You first go to the bank to open a debit card, and then find the counter financial manager to open the **transaction function, and you can buy ** at the counter; Another way is to open the bank card to online banking, and choose to buy ** on the online banking. Both methods can be purchased.

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The two ** have their own characteristics, which are obviously more advantageous than the others**, and can be considered.

Buy** is actually very simple, simply put, it is three steps: choose** (this is recommended**, it is recommended that you don't believe it), open an account, and buy and sell. Many people think that choosing the best is the most important, and they often ignore the last two steps, but in fact, there are many skills behind.

Now the main channels for buying ** are banks, ** companies, and third-party channels. Banks are the most common, but have high rates; **The company is the most direct, but there are few choices, which is more troublesome; The third-party channel is currently the most affordable, but it depends on what you are used to.

There are two ways to buy**. One is to buy over the counter at the bank. The other is to purchase through an account.

It is more convenient to buy at the bank counter, and the people at the bank will give you guidance. Tell her what you're going to buy** and fill out the list. Another way is to open a ** account, establish a third-party depository, and then operate online.

The second possibility is that the handling fee will be more discounted.

First open an account in the bank, and then choose the product, buy according to your purchasing power, you can make a fixed investment, or you can buy it at one time, you can consult any bank.

It is actually very difficult to choose a good company, not only to look at its manager, operation team and other backgrounds, but also to pay attention to the company's investment profit and loss in recent years. It is also divided into **type**, bond **, ETF**, etc. There is also a ** rating, which is basically a 5-star ** will be relatively good in the rating.

All in all, it is very difficult to choose a good **, don't listen to it, just buy it casually. In this way, it is not as simple as buying, after all, there is no need for a closed period.

Selecting the type is the first step in the selection process.

First of all, investors should choose according to their own risk tolerance**. Investors with low risk tolerance can choose currency**, short-term financial management**, etc.; Investors with medium affordability can choose bonds**, trusts**, etc.; Investors with high risk tolerance can choose **** and so on.

Secondly, once you have chosen the type of investment you want to invest in, you need to choose one or more of the types of investments you want to make. The choice can be considered from the following aspects: historical performance, company, manager, overall efficiency, etc.

Finally, analyze our own situation, before we open an account at the outlet, we will do a risk assessment, which can roughly measure our risk tolerance level, whether it is stable or aggressive, and will give a preliminary asset allocation recommendation.

Let's look at your own risk tolerance first, and then decide whether to buy bonds** or hybrid** or ****, etc.; The corresponding risks of different types of ** are different;

If you buy**, you can recommend going to Alipay to buy**, there are concepts and recommendations, suitable for novices to practice and learn.

(1) The easiest to see.

First of all, let's try to choose those with a scale of more than 100 million**, choose a broad-based index**, don't choose an industry index**, you can buy it from the over-the-counter, it's convenient and fast, let's choose a low valuation, don't choose a high valuation.

2) Introduce several tools.

The four most commonly used indicators in the market are: price-to-earnings ratio, earnings yield, price-to-book ratio, and dividend yield.

3)**Regular investment.

If there is a change in income, the amount of corresponding investment should also increase or decrease, and it is recommended that regular investment account for 20% of the annual income.

Now** is more and more sought after by the general public, many people are ready to buy **, but they don't know what is the difference between **buying**, different **purchase channels, and is it more suitable for them to buy**? In this issue, Mr. Zoe will explain and share with you several mainstream ** trading channels!

First, the novice buys the first platform to confirm the purchase, and the first sales channels in today's society are diverse, and banks, financial companies, and companies can all carry out relevant transactions;

Second, confirm the type of purchase, ** product types are diverse, the risks are different, you should recognize your own financial situation, and buy as appropriate;

Third, examine the experience of the manager and understand the historical performance of the manager, so as to see the level of the manager, so as to provide guarantee for the purchase of the manager;

Fourth, understand the status of the company, investigate the company's past income level, and select the best;

Fifth, know the performance of the purchase **, so as not to accidentally stumble, thus losing funds.

1. Find out the type of ** and choose the right type.

The easiest way to do this is to look at the investment. In other words, whether it is an investment (Bond), a bond (Bond), an investment, a bond and a bond (balanced), or a money market. The above types of expected returns and risks are ** type, balanced type, bond type, and money market type in order of high to low.

2. Choose a good ** company.

**The management company is an investment management institution, and the ability to invest and support customers is the most important. A good company should have good management and good service.

3. Understand the purchase matters and related costs.

Now the main channels for purchasing ** are banks, brokerages and other consignment outlets, as well as the company's direct sales counters and online purchase platforms. The fees incurred in purchasing** generally include subscription fee, subscription fee, management fee and redemption fee.

4. Choose an investment method

Decide on a single investment or a fixed amount of investment, and go to the bank counter or other ** sales units to place an order for investment. Whether it is a single or a fixed amount of investment, it has its own advantages, but it is recommended that ordinary investors can invest in a regular and fixed amount when the investment risk is high, which can diversify the risk.

5. Post-investment tracking.

First of all, we should pay attention to the performance of the investment** and pay attention to the information disclosure of the ** held. Secondly, it is necessary to analyze various evaluation data, and pay attention to the research data publicly released by some authoritative research institutions, such as the open evaluation table, the open performance ranking table, and the open evaluation table.

Novices need to master certain basic knowledge before buying, such as the classification of **, different risks, different **investment products, etc., and the basic knowledge needs to master some trading skills, such as when investing**, generally at a relatively low net value**.

When investing, don't be greedy for cheap, but look at whether there is room for it in the future, and what we need to pay attention to is what we need to pay attention to. When choosing **, it is generally selected that the listing time is relatively long, and such a ** has been running for several years, and investors can view the past performance.

Buying ** also depends on the strength of the company, the length of the business time, generally try not to choose the ** company with bad strength. In addition to looking at the company, you also need to look at the professional level of the manager, and the level of the manager determines how well the manager will perform in the future.

When buying, you can use the method of regular investment, basically invest a certain amount of money every month, so that you can effectively dilute the cost, but **regular investment generally needs to adhere to at least three years, only in this way can you make money, if the user can not insist, you can choose to be at a low point at one time**. At the same time, you can carry out your ** investment career according to the following methods.

1. First of all, according to the risk tolerance, investors who pursue capital security can choose currencies and bonds, and investors who pursue income can choose hybrid and **type**.

2. Secondly, choose a manager who has been in the industry for a long time or a star, the manager is one of the most important reasons for the income, the manager has a good investment level and the expected income is high.

3. Finally, the operation skills: first observe the market and then operate, when the market is good, you can take advantage of the trend; Regular redemption can do daily cash management and stabilize market fluctuations; **Regular investment, regular investment does not have high professional requirements for investors, and is more suitable for most investors.

Bring your ID card and bank card to the bank to handle**You can buy ** after opening an account**. **There is a one-time**, a minimum of 1,000 yuan, and a fixed investment (fixed investment), just like a lump sum deposit in the bank, with a minimum of 200 yuan per month. Regular investment** is suitable for choosing **type and index**, because they fluctuate greatly and can effectively amortize costs.

Regular investment is suitable for long-term investment, so it is best to choose one with back-end fees**. There are many back-end charges, such as: Dacheng 300, Southern 500, Rongtong 100, Industrial Trend, Desheng Advantage, GF Jufeng and so on.

Auto-Investment** can also be redeemed at any time.

**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.