Beginners about fund wealth management, how to choose funds for novice wealth management?

It's good, but there are mistakes in the small places where the plan is written.

1.If I'm not mistaken, you're just 23 years old now. The total proportion of the funds usually invested in the ** when managing your money can be referred to:

100 - your age) * 100%.

Then your total assets are only 6,000 yuan, and the investment of 5,000 is the upper limit.

Choose**, in fact, you can choose the older**company partial stock type** or partial stock type**, 5000 yuan as an experiment. The old ** company, I recommend Huaan, Huaxia, Nanfang and Bosera, which were established early, and after the bear market and bull market, it will be more stable. To make a profit, it is okay to compare the ** net worth.

2.There is a mistake, the credit card can't be bought**, you should apply for a regular debit card, and then open a **account to make regular investment.

However, I heard that in fact, almost every bank now has a ** fixed investment, which bank can.

However, please be reminded that 200 yuan may be relatively small, and the lower limit of ** regular investment seems to be usually 300.

You can ask about Shanghai Pudong Development Bank or other small banks.

For your regular investment, I recommend that you choose the money market**, because usually financial management requires at least 6 months of living expenses (that is, you can get it within a few days) should be able to get it quickly.

The interest rate on the money market** is above the one-year bank deposit rate, and the risk is only slightly higher than that of bank deposits, and it is usually T+1, T+2 can be obtained. It is more suitable as a place to store emergency funds and idle funds.

The most important thing is how much you can afford to lose.

Before you buy, you must know the risk of **, not that you will definitely make a profit if you buy it.

Friend: The index ** is the most risky**, you don't understand anything, save in the bank.

1.The first branch of the Dan family should first choose the type of **, and then the same type of ** do not buy too much, because the same type of buy too much is difficult to spread the risk, the higher the similarity of the disadvantages, the higher the probability of the same rise and fall.

2.Pick a good manager. Look at the manager's past performance and experience, background information.

3.Look at the performance ranking of **. Generally speaking, it is better to look at the ranking and the performance ranking of the past year and three to five years, and try to choose the top 25% of the investment in the five, three and one year.

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zip, knowledge summary of the elementary course, notes of the advanced course, Q&A of the advanced course, how to choose a new one, understand the mystery of the mixed type, etc.

If a novice wants to buy, he should first understand some basic knowledge, such as type, investment risk, rate of return, and so on. Secondly, it is necessary to choose the right investment channels, such as bank wealth management, ** company, ** company, etc. , to do a good job of risk control, do not blindly buy**.

It is an important tool that investors can invest in, and there are mainly types of **type**, bond**, hybrid**, currency** and so on in the market.

**Type**:**Type** is the main tool for investors to invest in the **market, with ** as the investment target, the yield is high, but the risk is relatively large.

Bond type**: Bond type** takes bonds such as treasury bonds, financial bonds, and corporate bonds as investment targets, with relatively low yields and relatively low risks.

Hybrid**: Hybrid** is mainly based on ** type ** and bond **, supplemented by other investment vehicle investment, and the yield and risk are relatively low.

Currency**: Currency** uses money market instruments as the investment target, and the yield and risk are relatively low.

When a novice buys **, he must first choose the right investment channel, such as bank wealth management, **company, **company, etc.

Bank wealth management: bank wealth management is an important channel for investors to invest, and investors can buy ** products through the bank, which is safer and more convenient.

Company: The company is also an important channel for investors to invest, investors can directly purchase products through the company, but investors need to understand the relevant information of the company to ensure the safety of their investment.

Company: The company is also an important channel for investors to invest, investors can buy products through the company, but investors need to understand the relevant information of the company to ensure the safety of their investment.

Investors should pay special attention to the control of investment risks when investing. Investors should choose according to their own investment objectives, risk tolerance and other factors to reduce the investment risk as much as possible.

In addition, investors should also pay attention to the issue of fees when buying, because the company will charge a certain handling fee, which will affect the income of investors.

When novices invest, they should formulate investment strategies according to their own investment objectives, risk tolerance and other factors to reduce investment risks as much as possible and turn investment returns.

Investors should choose the right type according to their own investment goals, and at the same time pay attention to risk control and do not buy blindly.

When investing**, investors should regularly check their investments to understand the investment situation and adjust their investment strategies in time to obtain higher investment returns.

Investors should also pay attention to changes in the market in a timely manner, so as to make corresponding adjustments in time to protect their investment security.

Novices buy ** financial management like this:

1. Be sure to spare money for investment and financial management, and remember to leave a sum of money for emergency use!

2. Hui Peng Banquet chooses the best varieties according to their own risk tolerance, investors who want to be safe and stable can choose currencies and bonds, and those who pursue income can choose a mixture of ** and **.

3. Choose a manager or star manager who has been engaged in the industry for a long time, the manager is one of the most important reasons for the return, and a good manager can make the expected rate of return high.

4. **Investment skills, first observe the market and take, and then operate. When the market is good, you can follow the trend; Regular redemption and daily cash management can stabilize market fluctuations; The fixed investment of the foundation bank and gold does not have high professional requirements for investors, and is more suitable for most investors.

The speed of information dissemination is getting faster and faster, so everyone can deal with a lot of things about themselves, and it is also very convenient for personal finance, which can quickly obtain various financial information, as well as the corresponding financial product information, and Alipay, as a financial software, is of great help to our financial management, of course, for novices, it is also very convenient to use Alipay to manage money.

Tools Raw Alipay**1 Open Alipay on your mobile phone, enter the Alipay homepage, and click on the financial option.

2. Enter the financial management page and click directly on the ** option at the top.

3. Click on the market in the lower left corner of the **home page.

5After the learning is completed, click on the learned, and then you will be able to understand**, and you can buy some ** as a practice first.

At present, <> wealth management includes many varieties, such as: time deposits, wealth management products, bonds, etc., investors can choose the right product according to the risk, return, term, etc.

Risk: If the investor's risk tolerance is relatively low, then you can choose time deposits, Yezheng wealth management products, bonds, etc., and if the investor's risk tolerance is relatively high, then you can choose **, **, etc.

In terms of income: investors who pursue high yields can choose products such as ** and **, and investors who pursue stability can choose time deposits, wealth management products, bonds and other products.

In terms of term: investors with high liquidity requirements can choose products such as **, **, fixed deposits, etc., which can be quickly realized, and investors with low liquidity requirements can choose Sozhichun wealth management products, bonds and other products.

It is more suitable for beginners**. For novices, it is more suitable, it is simple to operate, and the return risk is smaller than that of **.

You should choose **, because ** is relatively more stable and the risk will be less.

You should choose**, the risk will be smaller than **, the requirements for professionalism are very high, if you don't understand anything, you will generally lose money if you buy directly.