I want to buy a fund and I don t have any experience, where do I start, or what should I learn?

Choose splits or dividends**.

Follow these steps:

1. Have time to go to the online **academy to understand the basic knowledge, understand the types, risks, and so on.

2. Assess the risks you can take and the subsequent use of the funds you want to invest.

3. If it is short-term or has a clear purpose immediately, and you can't bear the risk, buy a currency or bond, the risk is low, and of course the return is also low.

4. If you can invest for a long time and can take a certain amount of risk, because you are a young person, you can invest in a hybrid or ** type, but you must choose a suitable industry investment, such as consumption.

Finally, the most cost-effective way to choose is to open online banking, and buy from **company**, and the handling fee is the lowest.

Hello friends, the current stock index is around 2200 points, if you look at it for more than 2 years, I am afraid it will be even lower, and now is indeed a better time to invest in the **. As long as you get the right time to enter the market, it is no problem to make a profit better than regular savings. The minimum amount of regular investment is 200 yuan per month, and if you don't want to make regular investment, you can cancel it at any time.

You first go to the bank to open a debit card, and then find a financial manager to open a regular investment, set the product to be invested, the amount of the investment, and the time of the investment, and then deduct the money from the bank card every month to automatically subscribe for the share; You can also set the standard of regular investment on the online banking after opening online banking.

Recommended considerations: Golden Eagle Small & Mid Cap Select (162102) and Dacheng CSI 300 (519300). Golden Eagle Small and Mid-Cap Select, is the leader of small-cap stocks, small-cap stocks have better growth, and the continuation of small-cap stocks is bound to surprise the performance of small-cap stocks; What's more advantageous is that Dacheng CSI 300 (519300)** can be subscribed in the back-end fee mode, that is to say, you can subscribe without handling fees now, and then charge subscription fees when redeeming ** in the future, and Dacheng CSI 300 (519300)** has been held for more than 3 years and is completely exempt from subscription fees and redemption fees, that is, it does not spend trading fees at all, and can buy more **shares with the same money, and the capital utilization rate is higher, but back-end charges are a big plus.

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

Let's make a regular investment first, and take out 10% of your salary every month. You can let the bank help you choose two, and then track the regular investment, as long as you invest, you will pay attention to learning **knowledge, and slowly you will understand**.

You'd better have a comprehensive understanding of all financial knowledge, choosing the right one for you is the most important, you don't have to do it, there are many options. Sharpen the knife and cut firewood!

In fact, the best learning is to choose one and invest first, so that even if you don't understand it, it won't be bad. At that time, I simply understood some knowledge and went to ICBC's online banking to invest one, and I understood a lot through the operation, and now I have gone to the **company** fixed investment two.

**Now most of us choose to buy in the bank, the bank also has different ways to buy, you can buy directly at the counter, generally speaking, the bank has a special **promoter, and financial management area, you can consult there, you can also open online banking, buy directly in the online bank, it is recommended to go to some forums before buying, **understand the recent situation, choose the right purchase, especially without any experience before, to listen more, ask more, see more, choose a large **company, Huaxia, China Merchants and Cathay Pacific are all okay.

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%. The handling fee is generally subscription, subscription, and redemption.

However, if you open online banking in the bank, there is a discount for purchasing **, and there is a discount if you buy in ****. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

1. Beginners should start with how long it takes to invest. I don't even know how long I have invested and I want to buy **, I advise you to forget it!

2. Long-term investment is basically risk-free. (10-15 years).

3. The minimum can be 800 yuan, which is the latest subscription amount.

First of all, you should learn the knowledge, the risk is different, it can be big or small, some banks have a starting point of 100, but it is smaller, and it generally starts from two or three hundred.

If the novice does not know how to buy, it is recommended not to buy blindly, you should first learn the relevant financial knowledge, and then buy, in addition, we must also be psychologically preparedIf we face a big fall, we must have a good attitude to face it, because if we chase the rise and kill the fall, it is easy to be harvested as a leek in the market.

The next step is to think about what kind of benefit we want to achieve according to our own situation, and consider what kind of risk we can takeComprehensive evaluation, to see which kind of ** you want to choose, if you want low risk but willing to accept low risk, you can choose currency**, if you want to slightly increase the yield and be able to bear a certain risk, then choose bonds**, if you want to win high returns. You can choose ****, but this kind of ** needs to take high risk.

In fact, for most of the whites, most of them are rushing to ****,If we want to invest in ****, we have to choose an industry that we are optimistic about or choose an active **,If you want to choose active, you must choose a manager you trust, and if you want to choose a passive exponential type, you must not only choose a good manager but also choose an industry that you are optimistic about.

When choosing a manager, we should pay attention to the manager's investment period must be long enough, and the management scale should not be too smallIt's best not to be too big, because for some managers, it may be managed well under the conditions of a larger scale, but once the scale becomes oversized, they will not be able to grasp the situation, for the investment years of the manager, you should choose as much as possible to experience the bull market and bear market, and the historical return is not bad.

Therefore, for Xiaobai, don't blindly buy ** because you are Xiaobai, if you realize the reality that you are Xiaobai, you must seriously learn the relevant knowledge of **, and then choose the right one for yourself and then buy.

You can first learn some basic common sense, and then find some professionals to understand, so that you can buy.

You can find a relevant ** company to buy, so it is relatively simple, and it is easy to avoid risks, which can greatly reduce the risk rate.

It should be necessary to understand the **market** first, and then choose some reliable**, you can also ask the opinions of your predecessors, and then make a reference before buying.

**Investment is a compulsory course for many residents. After all, in the current stage of the financial market, buying ** is a very down-to-earth way of investment and financial management. However, for novices, how to buy and sell** is a job worth serious study.

In the field of investment, the amount of time a person invests in research is often closely related to the results of his investment.

In general, novices should establish the thinking of idle money investment and long-term investment before investing. Judging from a data released by the domestic industry association, the proportion of domestic investors who are willing to hold ** for a long time is not high. Holding a ** for a period of 3 to 5 years, plus the holding period of more than 5 years, accounting for the proportion of all ** holders, overall does not exceed 20%.

However, from the perspective of actual holding, the yield of the long-term holding of the base is often better than the short-term frequent trading. Short-term frequent trading will make the cost of subscription fees and redemption fees paid by the people increase significantly, and at this stage, domestic ** products often give greater redemption fee concessions to investors who hold the base for a long time. In addition, the people hold ** for a long time, and they can often wait until the day when the results of the manager's position adjustment and share swap are effective.

Spare money investment is also a common-sense cognition that novices need to establish. The investment market is extremely volatile, and investors who participate in it in a gambling way often get a large floating loss. Therefore, the funds that investors participate in investment should not be the spending funds and emergency funds used in daily life, but the spare money that cannot be used in ordinary life.

At the same time, this kind of spare money should not occupy too large a proportion of the novice's own total assets. Under this premise, novices can invest with a relatively peaceful mind and reap better investment results.

In the case that the above two prerequisites are satisfied, novices should actively understand the information of star managers in the market at this stage, understand their investment philosophy and investment ability circle, explore their investment style, and gradually buy star products that have been verified by time in the way of continuous trial and error and active regular investment. In this case, novices should also continue to observe the style changes of the overall market, and actively study the fundamentals of the industry, the monetary environment, the macro environment and other financial conditions.

Investment is risky, and trading needs to be cautious, which is also a major principle that novice investors need to recognize.

You should go to the relevant ** companies to make a purchase, first of all, you must have a corresponding account, these companies are very reliable, you can go to these companies to make a purchase.

Currencies**, bonds**, **, hybrid**. Currency**, such as the common Yue Bao, the return risk is not much different. Bonds**, the proportion of bonds accounts for more than 80%, and the risk is greater than that of currencies**.

, the proportion of ** in the position is more than 80%, the risk is high, and the return is also high. Mixed**, there are **, bonds, and currencies in the position objects, and the proportion is different, and the proportion is high, and the risk and return are high; Bonds account for a high proportion and the risk-return is slightly lower. 2. If a novice chooses, it is recommended to choose a relatively low-risk type; 3. Choose the best with continuous excellent performance, you can look at the past performance; 4. Select the largest scale and establishment time.

Take the initiative to choose 500 million-5 billion scale; It has been established for at least 3 years. It's more secure this way; Hope it helps.

For novices, when buying, you should still choose some funds with a relatively large amplitude, and you should go to formal channels to buy.