Rookies buy funds, and the majority of netizens are invited to give advice

Treasury bonds can be bought at the bank, and they generally have a maturity of more than three years, and a small number of them are two years. The interest rate is higher than the bank rate.

There is also a bond type**, which is more stable than other types**, can be redeemed at any time, and there is no handling fee, and the annual interest rate is generally around 5 10. The risk is minimal.

Bring your ID card and bank card to the bank to handle**You can buy it after opening an account**. One-time**, minimum 1,000 yuan, fixed investment** minimum 200 yuan per month. It is best to invest in the long term, so choose a company with back-end fees, so that there is no monthly handling fee.

For example, South 500, Dacheng 300, Desheng Advantage, Rongtong 100, Huaan Manulife, etc. all have back-end charges.

**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.

First of all, I want to say that more than 1000 principal to buy treasury bonds is not much significance, insurance is insurance, go directly to the bank's financial counter to find the manager to open an account, if you want to make money, treasury bonds are not profitable, and there is the ** you mentioned, you can buy some radical **type**, the risk is large, the yield is much higher than the treasury bonds, as for which company to buy depends on your own choice, if you want to be safe, it is recommended to take out two or three hundred every month to buy fixed investment**, so that the risk is relatively small, follow** The market goes, but this is just a good way to manage money, so you should put your mind right and save your money in the way of buying **, so as not to go up and down. Finally, what kind of risk can you afford to take?

Hello: It is recommended that you buy some regular investment**, regular investment** is a quantitative investment every month, this form of ** risk is small, the return is much higher than that of the deposit bank, but you need to insist on long-term holding, not suitable for short-term investment. The thin water and long-flow type will gather less into more, and it will feel fruitful after a few years.

In addition, you can also buy some insurance in the form of dividends. This approach is also less risky.

In addition, it is recommended to read more books on financial management and financial analysis information. will help you.

Personally, it is recommended to make regular regular investment, one of the advantages is that it can amortize the cost, avoid risks to a certain extent, and stick to it for a long time as long as you believe that the economy will be good.

How is it. Buying and selling.

and regular investment. Open**.

One. Buying and selling. **。

A few common ways:

1.At. **Firm.

Official**on trading**, disadvantages: 1) online banking must be opened; 2) Regular investment is not very convenient, and at the same time, it is necessary to register with many **companies**; 3) If the bank card is lost, it is very troublesome to change the bank card account number (the certificate issued by the bank or the evidence of the replacement card must be mailed to the ** company); Advantages: The subscription rate is low, the front-end charges are generally around, and the back-end is the same;

2.Open at a bank.

Counter. Buying and selling**, advantages: safe and secure, more convenient for regular investment, **wide variety; Disadvantages: 1) Time limit, must be.

Monday. Trading from 9:30 to 15:00 on Friday (excluding statutory holidays and ** market closures); 2) Running back and forth to the bank and queuing, wasting time;

3.Advantages of using online banking to buy and sell**: 1) Safe and secure, although it is said to use online banking, but there is no need to open the online bank transfer and remittance function, so that there is no need to worry about the safety of the funds in the bank card when trading or fixed investment** or operating Qingshan in the Internet café; 2) Subscription or regular investment** is convenient (as long as there is a computer and network) and ** a wide variety; Cons:

Must have knowledge of the Internet and computers and simple computer operation;

4.Use. Mobile Banking.

Purchase, advantages: in addition to buying and selling with online banking**, it is more convenient and faster when investing or trading**; Disadvantages: 1) You must have a mobile phone that can access the Internet and has opened WAP (Jianwei turns to open the monthly subscription function); 2) Some mobile banking has a monthly fee, and CCB mobile phone is exempted from the monthly fee for 3 months; 3) Most banks are not allowed to invest online.

5.Other methods, such as:

**Firm. Banks, direct sales offices, etc.

Two. Recommend the basic process of buying and selling**. It is recommended to use CCB's online banking.

Purchase**. and regular investment**, the process is as follows (for example, the process of other banks is basically the same)1Go to the bank to apply for a bank card or an existing bank card, it is recommended to use a CCB card or a salary bank card;

2.On trading days (Monday to Friday.

9:30-15:00, excluding statutory holidays and.

A shares. The date of the market closure) bring your ID card to the bank counter to open ** online investment and subscription business (no need to open online transfer and remittance function).

3.After registering online, first online or.

Cell phone**. Opened.

**Account. Then set the name of the auto-investment** and the date of the auto-investment.

Amount. etc., generally the minimum cost of 100-300 yuan a month for regular investment**, or you can subscribe directly**, with a minimum of 1,000 yuan;

4.Redemption is simpler, after logging in to the online reputation bank, click to redeem (3-7 days to arrive).

5.Inquire about ** net worth

Tranche. Profit.

etc., you can log in to the online banking to inquire.