Fund rookie advice. How to choose a fund, urgent need for help!

Whether you invest in one or several depends on your risk tolerance and expected return. For "active" investors, 70% of the funds can be invested in hybrid** (**, equity-biased), and the rest of the funds can be invested in hybrid** or bond** with relatively low risk. "Prudent" investors can invest 50% of their funds in hybrid** (**, equity-biased) and the rest in bonds** or debt-biased**.

"Conservative" investors can invest 70% of their funds in safer investment varieties, such as bonds, and reduce the proportion of investment to 30. You can go to Haomai**** to see the historical income of **, and then decide which one** to invest in**.

Whether or not it is appropriate to enter the market depends on your judgment of the market and your own economic situation.

Both of these ways can be purchased, and the more convenient ones can also be purchased directly online, and the cost is not the same, depending on which one you choose**.

If it is a regular investment, you can buy it at any time, because the monthly ** is different, and the cost can be amortized.

If it is a one-time **, if you feel that it is higher now**, you can buy less first, and you can buy more when ** is low.

Buy ** can be bought at the bank counter, the handling fee is, buy in online banking, the handling fee is six or eight fold, buy on the **company**, the handling fee is at least four fold, but also to open online banking.

It is best to choose a back-end fee for regular investment, so that there is no handling fee when **, 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.

The company's online direct sales are the most economical to buy at the rate.

Before investing, you must first understand the types of **, which are divided into **type**, hybrid**, bond** and money market**, etc., and investors should choose the right type according to their own investment preferences and risk tolerance.

When choosing, yield is an important indicator for investors to consider. The rate of return refers to the ratio of the income obtained by an investor after investing in a certain ** divided by the principal, which can reflect the level of investment income of **.

When investing, it is necessary to consider the risks of **. **The risks mainly include market risk, management risk, liquidity risk, credit risk, etc. Therefore, when investors choose, they should choose the right one according to their own risk tolerance.

When investors choose, they should also consider the investment horizon. There are generally three types of investment horizons: short-term, medium-term and long-term, and investors can choose according to their investment preferences and investment horizons.

When investors choose, they should also consider the management fees. The management fee refers to the fee charged by the manager, and generally speaking, the lower the management fee, the higher the return for the investor.

Investors should also consider the manager of ** when choosing **. Managers are the core people of the operation, they have rich investment experience and resources, and can help investors get more investment returns.

Hello. 1.You can invest regularly on the online banking or bank counters of commercial banks**.

Nowadays, the vast majority of banks carry out the custody business, and each bank can invest a lot. Therefore, if you want to buy **, you don't have to go to the custodian bank of ** to buy, you can buy it from any bank very casually. The custodian bank of ** is only the custody of the company's funds in this bank, and it is a matter between the **company and the bank to prevent the company's funds from having problems, and it has nothing to do with the **purchaser.

Also, I don't recommend that you invest in a regular bank investment**. Because the bank only sells for the company, the bank also has to make money, so there is basically no discount for buying ** in the bank. It is recommended that you buy directly from the **company**company you want to invest in, which will often have a big discount, such as 4 to 6% off the regular investment now.

2.The amount of funds for regular investment is not limited to more than 200 yuan per month, and there is no limit to the number of funds. Buy more, earn more, or buy more, lose more.

3.The rate of return is not necessarily, and it is possible to make money or lose money. If the general trend is not good or the level of the company is very poor, it is normal to lose tens of percent, and conversely, there is a great possibility of earning tens of percent or doubling.

First, there is **regular investment, there is no so-called regular investment**.

Second, there is no bank that can buy all the **. You just go to the bank that sells your **.

3. How much is suitable for regular investment in January depends on your income and how much money you have that you have that you don't need in the short term.

Fourth, the situation is changing, and the benefits are uncertain. The income of **type** in the past ten years is 8%, and in the past five years, it is 2% to 3%.

Buy** three basic channels, bank, direct sales, brokerage. If you choose a bank, you don't need to consider whether it is a custodian bank, as long as it is sold on behalf of the bank, large banks such as China Industrial Construction basically cover all the best companies, which is very convenient.

The starting price is generally 100, 200, 300, and 500, depending on the specific bank, and the more the better. The rate of return depends on the performance and the income of the company, and the annual return is not necessarily. About 10% in the United States.

You can buy all ** through the bank, because the bank is equivalent to the same as the consignment point, but I recommend a place, every day**, where to buy **safe, equivalent to Alipay, there are many types, the key is that all the handling fees are 4% off, and the cost is saved a lot You can buy at the bank to give you a maximum of 20% off.

The annual return is not easy to say**Generally follow** (except for currencies and bonds**) Bull market**Net profit can be doubled, and you can't stand the loss in the bear market.

The general starting price of regular investment is 200 As for how much depends on your economic strength, the last personal suggestion: buy less first to understand and buy slowly When the market is not good, the net value is at a high level (the high level varies from person to person) to sell Buy currency ** hedging (currency ** has no handling fee, which is equivalent to a bank term, but it is better than a regular term, it can be withdrawn at any time, and the interest is settled every day) When the market turns good and the net value is at a low level (the low level varies from person to person), it is** and** about the same Of course, the above is**operation (less than one year) If you are a regular investor, it is not recommended to hold the dividends for a long time and then switch to it.