I have 5,000 dollars and want to buy a fund!! Don t know what to do!! Ask for advice

If you want to invest 5,000 yuan, it is not recommended to be a one-time investment, it is recommended to increase the position in batches, so that you can diversify the risk, for example: a certain past income is good, the recent **is not good, all **type** have ** for a period of time, and then ** begins to have a **** trend, you can consider entering.

For example: ** down 5% to buy 1000 yuan, and then wait for **** to add 1000 yuan, which can effectively diversify its risk, and will not buy in a relatively high position, which is under the premise of choosing a good **type**.

In addition, when choosing **type**, be careful not to chase up, for example: a certain ** rose better, and it rose for five or six days in a row, at this time** The possibility of losing money is relatively large, because ** may be relatively in a relatively high position.

Note**in** is a low **, sell at a high level, the possibility of making money will be great, if you chase up to buy at a high level, sell at a low level, then you will lose money.

Extended Information: How much can I lose?

Theoretically speaking, ** is not principal-guaranteed, no interest-guaranteed, it is possible to lose to 0, that is, all losses, but because ** is lower than a specified value, it will be liquidated, after liquidation, it will be sent to investors according to the shares, so there will be no loss of 0, and it is rare to lose to 0.

But also pay attention to the loss of **, some **type** is likely to lose 30% 40%, for example: an investor has a principal of 10,000, buy a certain **type, the loss of 30%, that is, the loss of 3,000 yuan, is still more, so you must be cautious when buying **.

If you are an office worker and don't have much time to pay attention to, you can choose to go to the bank to open an online banking investment, and the risk is not so great. When it is low, you will invest more, and if it rises, you will invest less. Earn a lot more this way.

Ping An Xinli both-sharing (dividend-sharing type).

Mr. 28 years old, with an annual deposit of 4896 and a deposit of 20 years, the benefits obtained are:

A fixed survival fund of 2,800 will be returned for every 2nd anniversary

At the age of 80, 80,000 yuan will be refunded.

There are also indefinite dividends for annual dividends.

There are three ways to buy**.

1.Bank online banking.

2.**Direct sales on the company's official website.

3.Independent **sales organization**: Tiantian**.com, Shumi**.com, Tianxiang Investment ......

Specific comparison: It is more convenient for the bank to buy **, and it is convenient to operate by yourself, but there are few discounts for handling fees and high costs.

The starting point of direct sales on the official website is generally higher, generally 50,000 yuan, and some companies are lower, and it is not too convenient to transfer money by yourself, but the rate is preferential.

**Buy** The starting point is lower, 1000 yuan, and the others are the same as direct sales.

As for which one to choose, it depends on your needs! I am more accustomed to bank online banking, although it is more expensive, but one-stop financial management, very convenient.

You can buy it for 1,000 yuan, but which one to choose depends on your risk tolerance and needs. You can say it, I'll give you some advice.

Generally, the starting price of buying ** is 50,000 yuan.

Suppose you have a sum of money that you want to invest in bonds, ** and so on** for appreciation, but you have no energy and no professional knowledge, and you don't have much money, so you want to partner with 10 other people to contribute, hire an investment master, and operate the assets that everyone has combined to invest in value. However, if more than 10 investors negotiate with investment masters at any time, it will not be chaotic at that time, so one of the most knowledgeable will be elected to take the lead in this matter. Regularly give him a certain percentage of the assets from the group, and he will pay Gao ** on his behalf.

Of course, he takes the lead in helping to organize large and small things, including running errands from house to house, reminding the master of the risks at any time, regularly announcing the profit and loss of the investment to everyone, etc., not in vain, and the money in the commission also has his labor fee. These things are called partnership investments. Amplify this partnership investment model by 100 times, 1000 times, that is.

If this kind of private partnership investment activity establishes a complete contract between the investors, it is a private placement** (which has not been recognized by the relevant laws and regulations of the national financial industry supervision in China). If this kind of partnership investment activity is approved by the national industry management department (China ** Supervision and Administration Commission), the lead operator of this activity is allowed to publicly raise funds from the public to absorb investors to join the partnership, which is the issuance of public offering**, which is now common**. It is an indirect way to invest.

The management company concentrates investors' funds through the issuance of ** units, which are managed by ** custodian (that is, qualified banks), and the ** manager manages and uses the funds to invest in financial instruments such as ** and bonds, and then shares investment risks and benefits.

To put it simply, you hand over your money to the ** company for a certain period of time, with the purpose of investing and making money. In the end, whether to make money or lose money is the final word of the company, and how much it will give you at the end of the period. Before you buy, the company will inform you that the investment is risky and you do it at your own risk.

You can choose between companies and different products, but you can't choose to make money.

**It is a collection of armpits into fur, expert financial management. That is, you contribute, others take care of it for you, and you are responsible for dividends. The risk is between bonds and bonds, especially for small assets or non-professionals.

If you buy, you can go to the company to open an account or go to the bank to handle it, the former is more convenient and affordable!

You can find a book to read first, you have to understand the basics, otherwise you will be deceived, recommend the official textbook of the ** qualification examination, which is relatively simple and easy to understand, or find other popular reading materials.

It is recommended to understand the operation mode of ** first, and then invest, and **manager, and **company have no professional ethics, do not put the interests of the people first, or learn more by yourself**, it will be relatively better.

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 1000 yuan, and a fixed investment**, with a minimum investment of 200 yuan per month. If you plan to invest regularly for a long time, choose one with back-end fees**.

Regular investment** is suitable for choosing **type and index type**, because they fluctuate greatly and can effectively amortize costs. If you plan to invest regularly for a long time, at least for more than five years, choose one with back-end fees**. Currency base** is not suitable for regular investment.

**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.

It is recommended that you choose regular investment** because your time, energy and financial management concept are not yet mature.

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%.

It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**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.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

It refers to a collective investment method of benefit sharing and risk sharing that gathers the funds of many investors through the sale of **shares, forms an independent property, is managed by the custodian, managed by the manager, and invests in the form of a portfolio. Investors can purchase on-exchange through **account**, or purchase over-the-counter** distributed by brokerage after opening **account**.

About the trading rules and the basic knowledge of the company, you can learn in situ through our investment education or easy to learn the gold - discovery - stock brother encyclopedia, easy to learn more financial management courses, teach you how to identify the investment risks of various products, and also tell you about the relevant screening skills and investment methods.

Teaching Paradise**.

The so-called ** is.

A financial management method in which a professional institution uses your funds to manage your finances professionally or through other financial management methods, and distributes profits in accordance with the purchase contract after obtaining profits;

Purchase: 1. Buy through the bank counter, go to the bank counter to open a ** account card, and bring ** account card and bank card purchase every time you buy.

2. Open online banking and purchase through online banking can be discounted.

3. Purchase in **company**: under the premise of opening online banking, buy directly in the **company direct sales center (more than buying in the bank, the handling fee discount is more) 4. Open an account in **company to buy.

Operation: Any investment must have a profit point, that is, when you reach the profit point you set, you must force yourself to redeem; If you make a regular investment, it is recommended that the landlord choose index** and hybrid**, and it is recommended that Harvest 300 and E Fund value growth, so that they can achieve both offense and defense;

If you subscribe, it is recommended that you choose the products of large ** companies.

Such as Yinhua rich.

Harvest Growth. E Fund Value.

Hope it helps.

**type** fixed investment, I invested in the Bank of Communications Stable and Rongtong SZSE 100, the former is okay, the latter is a bad base.

In addition to what you said, there are bond types, hybrid types, but you can try it, but it is better to choose a hybrid type, because this kind of investment can be freely adjusted according to the development of the company, the minimum investment per month is 200 yuan, and the minimum contract is three years, which is not bad I have done.