When I walked into the bank, someone pulled me to buy the fund, whether I should buy it or not

This should be an investment advisor for a wealth management company that has settled in the bank. It depends on whether you need to buy it yourself, whether it is legitimate, etc.

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.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

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.

Generally, the ** recommended by the bank staff is their task, and the task is completed after buying them, and the bank needs to fulfill the suitability obligation. Know your customers, know your products, and then recommend the right products to the right consumers.

However, there will be products recommended by financial management to consumers that exceed the risk tolerance of consumers, and the reason why financial managers will recommend certain kinds of ** must be linked to their own business.

It is hoped that the wealth manager can recommend the right wealth management products to the right consumers.

In this way, we can achieve a win-win situation, and there will be no people who are often confused about being invested in a certain and appropriate product.

Legal analysis: bank wealth management products shall not promise to protect the principal, depending on your contract, the bank suspected of violations can be reported to the banking regulatory department, if there is substantial evidence of fraud. Legal basis:

Criminal Law of the People's Republic of China》 Article 266:Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions. Article 224:Where, for the purpose of illegal possession, the other party's property is obtained by fraud in the course of signing or performing a contract, and the amount is relatively large, a sentence of up to three years imprisonment or short-term detention is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property.

You should choose your own and go to the bank to buy it.

The bank is entrusted by the first company, and there are only a few of them introduced by the salesman. **The number is huge, about 7,000 or more. You can log in to some financial ** by yourself, take some time, and compare carefully, such as ranking relatively high, moderate scale, **manager tenure of more than 5 years, good historical performance of management, and so on.