How to choose a fund for novices, how to buy a fund for novices

1.First of all, we must choose the type of **, and secondly, don't buy too much of the same type, because it is difficult to diversify the risk if you buy too much of the same type.

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.

Choose the 6 major criteria:

Net Value Trend, Variety, Investment Objective, Costs and Expenses, Manager, Investment Ratio. Selecting the type is the first step in the selection process.

First, conduct a risk assessment to confirm your risk appetite. This will mainly involve your basic income, investment issues, etc., so as to determine whether your preference is conservative, conservative or aggressive.

Second, choose the right category based on your risk appetite. **Type** has the highest risk, with the previous minimum shareholding ratio of not less than 60%, and now the minimum shareholding ratio of new issues is not less than 80%. This is followed by hybrid**, bonds**, and currencies**.

Of course, the higher the risk, the higher the profit, the higher the rate of return. The annualized rate of return of currency is generally around 5%, the annualized rate of return of bonds is generally around 8%, the hybrid rate of return is generally around 10%, and the annualized rate of return is generally above 15%. It is also related to the selected performance.

If you lose money, the benefits are also the same.

Third, choose a company with a certain scale and performance.

Fourth, make appropriate reference to the past performance of the selected **, at least rank in the middle. At the same time, look at the length of time and historical performance of the best manager.

Fifth, read the ** document carefully. Understand the investment philosophy, investment direction, heavy stocks and performance benchmarks. Know the costs of subscription, redemption, escrow, management, etc.

Sixth, give proper consideration to the timing of purchase. Generally, it is a dip hunt and advocates medium and long-term investment. Those bought before 3 o'clock shall be subject to the net value of yesterday, and those bought after 3 o'clock to 3 o'clock the next day shall be subject to the net value of the purchase date.

Broadly speaking, it refers to a certain amount of funds set up for a certain purpose, such as trust investment, provident fund, insurance, retirement, and various associations.

Investment is to bring together the funds of many investors who do not understand financial investment, but want to beat CPI or earn more profits, and hand them over to professional managers to manage and earn higher investment returns for investors.

1. Look at the type of **.

**It can be divided into: currency**, bond**, hybrid**, **, index**, QDII**, etc., the risk level will be marked on it, and investors can choose **type according to their own risk tolerance.

If you want to focus on safety and can't bear a lot of risk, then you can consider currency** or pure debt bonds, if you want to pursue income and can bear a certain risk, then you can consider high-risk types such as hybrid**, **, index**, QDII**, etc.

2. **Manager.

Investment is the investor to give money to the manager to invest, so it is very necessary to choose a good manager, then when choosing a manager, you can consider the past historical rate of return and the rate of return on the job from many aspects, this is only whether the manager is excellent.

If a novice wants to buy, we need to find a more reliable platform first, and then screen ** to find the one that suits their investment direction, and choose **. When we want to buy, we have to be clear about what **is? How does it work?

After understanding these two questions, let's move on to the rest of the operation. **, in a broad sense, refers to a certain amount of money that is set up for a certain purpose. From an accounting point of view, ** is a narrow concept that refers to funds with a specific purpose and use.

And what we usually refer to is mainly investment. How does it work? It is a wealth management product issued by a company, so first of all, the company should design a product and plan the main investment direction.

The company then issues a product and raises funds. When the raised funds are over, the fund manager will invest the raised funds in the pre-planned investment direction, and finally the first product will be delisted and the operation will end, and the entire operation process will be over, which is equivalent to taking the money to invest, and then distribute it after making money.

Novice purchase**: 1. Choose a good purchase channel, such as purchasing through Huatai's official software "Fortune Pass" APP; 2. Have the necessary financial knowledge; 3. Understand your own risk tolerance. You can choose to invest according to your own risk tolerance and capital planning.

It is recommended to pay attention to Huatai**Investor Education Base*** or Huatai**'s one-stop wealth management platform - "Fortune Pass" to learn investment knowledge. Huatai**, intimate housekeeper, everything you want is here, click below** to join us.

1. Choose a ** company. As much as possible, choose large ** companies, ** companies with good performance, and ** companies with high rankings, and this information can be queried from the professional **sales**;

2. It is necessary to choose the best manager of the book's Sakura. The manager is at the helm of the manager, the ability of the manager directly affects the performance, the choice of the manager is very important, it depends on the professional ability of the manager, the experience, the past performance of the manager in charge, etc.;

3. The state should look at the historical performance of the state. Special nuclear dust is the performance of the past month, three months, six months, one year, two years, from the historical performance can be roughly judged the investment strategy and investment ability of the manager, so as to have a better grasp of the future growth of the first, try to choose the historical performance in the top 1 4 in the same category, and you can invest after the choice.

Second, buying ** is a long-term investment. Buy**is not better than buying**, **in the short term there will be a big rebound, but **to rely on slow raising, first a process of principal accumulation will slowly have income, so buy ** do not operate frequently.

First of all, it is necessary to choose some more stable and relatively large investment space, and at the same time, do not choose more risky, and do not invest too much at one time when investing in the early stage.

Answer hello, 1Generally speaking, the longer the investment period, the less you don't have to worry about the short-term fluctuations of the ****, you can choose to invest in a more active **variety (**type**), even if the investment timing is not suitable for a long time, after a period of time, relying on the management level of the **, will basically achieve profitability.

2.There is a need for the use of funds in a short period of time (the investment period is short), then you should try to consider some low risk, the investment period is short, and you can't ** when the risk occurs, you should give up the gambling mentality, to choose a more stable ** product (stock and debt balance or fixed income +**), in the case of controllable risk to obtain a relatively stable investment income, not only can provide yourself with a good investment experience, but also help to establish investment confidence, develop good investment habits, It's a choice that may benefit us for the rest of our lives.

2.**You only need to choose a promising industry or sector, the on-site **belongs to the passive type**, there are not too many selection skills, the off-market ** can be selected according to**manager and the industry, you can choose**manager has been in the industry for a long time or star **manager management**, you can choose to invest in the development of the industry with great development prospects, high industry money-making effect or good industry stability**.

If you're a beginner, it's better to choose the one that's a little more steady. It is the kind where the interest is relatively small and the loss rate is relatively small.

Choose a stable **, because the probability of losing money when buying such a ** is not very large.

Understand first, choose the right one for you, and invest steadily.

If you are a newbie, you should pay attention to the following points when picking **:

Understand your investment objectives. Different ** have different investment objectives, such as income**, growth**, index**, etc. When choosing, you need to understand your investment objectives and determine whether your investment objectives are in line with them.

Learn about the portfolio. Portfolio refers to the type of investment or asset in which it is invested. In general, the more diversified the portfolio, the less risky it is. Therefore, when picking, you can pay attention to the portfolio situation.

Focus on the manager's experience and performance. The manager is an important person in determining the investment strategy and asset allocation, and his experience and performance are also important factors in determining the return.

Pay attention to rates. The rate refers to the fee charged by the manager to the investor. Different rates may have an impact on earnings. Therefore, when picking, you can pay attention to the rate situation and compare the rate levels of different rates.

Pay attention to the risk-return characteristics of **. The risk-return profile refers to the level of risk and return. Generally speaking, the greater the risk, the higher the return, but at the same time, it is also possible to face greater losses.

Therefore, when choosing, you need to consider your risk tolerance and choose the one that matches your risk appetite.

Find out the size of your investment. The size of the investment refers to the total amount of assets held by the manager. In general, larger ** have lower management fees and may also have higher liquidity.

Therefore, when picking, you can pay attention to the size of the investment.

Hopefully, these tips will help you make an informed decision when it comes to picking.

First, don't buy based on short-term gains

When choosing, don't just look at the short-term income of **, buy if it rises well, and sell it if it doesn't rise well.

**Ups and downs are normal things, especially partial stock hybrid**,****,**It is very normal to fluctuate with it.

If you look at**short-term rally**, it is likely that this wave is really up**, and when you enter the market at a high level, it is likely to be flat or repaired, and there will be a loss during the holding period.

Second, don't be afraid of high net worth individuals

The past 2020 is a bumper year, many base chain wide awards have a substantial increase in performance, and the net value has naturally increased a lot, but most investors suffer from fear of high net worth, and even if the net value is higher than 3 yuan, they dare not buy, Qiaobi feels that it is too high, and it will definitely fall down later.

There is no room for net worth, and whether it can be used in the future is not necessarily related to the level of net worth!

Third, when a certain industry is at the outlet, don't buy it when you see that the name contains a certain industry

There are often some hot industries in the market, such as the technology industry in 2020, which is really hot, and there are many investors who are anxious to buy it when they see the word "technology" in the name, for fear of missing this wave, but when the science and technology theme is on fire, it does not mean that the science and technology theme can make a lot of money.

Technology themes** In 2020, when the industry was in the limelight, the yield differentiation was particularly serious, with the highest yield exceeding 91% and the lowest yield only 25%.

According to your own needs, you need to choose comprehensive judgment is the most important.