How to buy funds for beginners? I m only 17 years old, I want to know about the fund first, I heard

Before doing it, you must think clearly, investment (especially regular investment) is suitable for long-term investment, and it generally takes more than three years or more than five years to see its investment advantages. Are you sure you won't use the money during this period? Because if you withdraw in the middle, the cost is a big loss.

If you are still sure to invest, then choose a better ** company. Choosing a company is similar to choosing a spouse, and many of them may accompany you.

There are a lot of bad ** companies in China, don't touch their products. And companies like Huaxia, Industrial Global, Penghua, and Bank of Communications Schroders are very good, try to choose their best.

In addition, the method of regular investment is for people who will not choose the time to enter. **Regular investment does not need to choose the timing, it is right to start at any time.

First, you are only 17 years old, first call the bank, can you handle the business, because you are not an adult.

Second, the principle of ** is relatively simple, whether it is a bond type or a currency type, or a ** type, the principle is the same, you spend a certain amount of annual management expenses, hire someone to help you invest, and your investment benefits depend on the ** team you entrust.

Thirdly, ** is a long-term investment of more than one year, and every year** work must first deduct a handling fee of 2% of your principal, so if your net worth benefits for less than 2% years, you will incur a loss.

Fourth, the 55-day interest-free overdraft of your credit card is very short compared to the investment cycle of **, there is nothing to combine, **Like all investment products, there are both gains and losses, so it is recommended that you fully understand before investing.

Once you've opened online banking, it's easy. In the column of investment and financial management, there are all kinds of bank sales, and there are two types of transactions: one-time and regular investment transactions.

In addition, credit cards are not recommended to buy**.

Finally, the question of what you buy, if you are conservative and only want to have more than fixed deposits, you can choose the currency type**; If it is a risk type, then it can be **** type**, and the return can reach more than 10% if the year is good.

**There is no time requirement for regular investment, and it is not complicated, and there is no pressure for novices to operate. There will also be many friends who say, **fixed investment did not make money, that is, you fell into **regular investment into a few big pits, today I will talk about **regular investment skills and common pits.

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3. Are bonds** and currencies** suitable for regular investment?

It is best to choose a regular investment**volatile one**.

Regular investment is originally an effective tool for smoothing out the volatility of investment, but some people choose to invest in bonds, currency, this kind of volatility is small, if the fixed investment bond base or cargo base, it will not make any sense.

Therefore, it is necessary to choose the most volatile products for investment. **There are many types, and I recommend buying volatile partial stocks** or index** fixed investment.

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Hello friends, the current stock index is around 2400 points, if you look at it for more than 2 years, I am afraid it is also a low level, and now is indeed a better time to invest. As long as you get the right time to enter the market, it is no problem to make a profit better than regular savings.

Personally, I recommend ICBC or CCB because there are many outlets, first open a bank debit card, and then find the lobby manager of the bank to ask him to help you open the **financial management function,**investment is divided into two modes of participation: one is a one-time**, this understanding is very simple, that is, a sum of ** when subscribing, and a lump sum of sale when redeeming; One is monthly fixed investment, such as a monthly investment of 200 yuan, investment for one year, is a total of 2400 yuan, 200 yuan per month, 12 months to buy**, 1 year after the automatic stop deduction to buy**, redemption according to your decision to redeem a lump sum, so that the meaning of regular investment is to disperse the risk and return, suitable for office workers. You can also open online banking and set up investments** on your own online banking, which is more convenient.

Recommended consideration: Dacheng CSI 300 (519300), CCB stable profit increase (530008). Dacheng CSI 300 (519300) is**index**, which can be subscribed in the back-end fee mode, that is to say, it can be subscribed without handling fee now, and then charged 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. Relatively speaking, the fluctuation range is about the same, but the back-end fee is a big advantage; CCB stable profit increase (530008), the ** is a bond **, and ** basically has nothing to do with it, the income risk is low, it is a safe and secure type, the ** not only does not charge subscription (subscription) fees, but also has a low redemption rate.

Held for less than 30 days, the redemption rate is; If you hold ** for more than 30 days (including 30 days), the redemption fee is 0, and the transaction cost advantage is great. These two ** combinations are relatively safe and can be considered.

Go to a bank branch, or online banking, open a wealth management account, and you can buy a fixed investment, what to buy, how much money to invest each month, you can choose. At the moment, the bond type is relatively safe.

It is best to buy bonds, which are safer than **, and of course the yield is relatively low. You can go to the bank and ask.

No, the income of buying Huaxia Company is relatively stable.

China Merchants Bank has a five-star choice.

Which one! number, otherwise how to give you an analysis!

How to choose 1: Determine your financial goals.

Regular investment is a long-term process, so as to reduce investment risks and share investment costs equally. Therefore, when there is short-term volatility, investors need to be calm.

How to choose 2: Choose a good base gold company.

**Ratings can be said to bring great convenience to investors. Investors can laugh at the rankings of ** companies of different institutions and have a basic understanding of the situation of ** companies. After understanding the ranking, it is also necessary to comprehensively analyze the capital, operation, historical performance and other factors of this ** company.

How to choose 3: Determine the timing of automatic investment.

When the market is in a downturn, it is actually a good time to enter the market, but if it is a regular investment for more than 50 years, the choice of timing is not so important.

How to buy regular investment for beginners**:

1.To open an account, the account can be opened on a professional investment platform or at a bank.

2.Select the ** type of regular investment. Different investments have different returns.

3.Select the time of the regular investment**.

4.After the selection is completed, the spring difference is a transaction, submit the ** type of regular investment, and conclude the transaction.

Regular investment** is a longer-term investment, and the short-term effect is not obvious. Once you have chosen regular investment, you must have the concept of long-term investment. The rate of return on long-term investment is higher, so you can consider signing a contract with the bank to make the money work automatically for a long time.

**Regular investment is not to say which one is good to buy, you need to look at the entry of this **regular investment product and the long-term increase situation, judge whether it is worth investing according to the increase, and then budget the regular investment time and regular investment income of the regular investment**. Regular investment is set up for some people who are not very good at investment skills, and it is relatively simple and convenient to operate.

Regular investment is a type of regular investment that requires the investment of a sum of money at each period of time after the purchase of this fund, just like a fixed deposit. Therefore, the purchase time of the two is different, and the investment risk of the two is also different. **The investment risk of regular investment is relatively low, and the rate of return is relatively stable.

However, if you buy ** at one time, you may encounter a bad situation and lead to losses. The two are also suitable for different groups of people, some people do not have a fixed income, can not be in the United States for a period of time, if the salary income is relatively stable, you can choose to invest.

The general regular investment** can be seen by the name. Then at the time of **, it should be noted that the money of each fixed investment can sometimes be set by yourself, as well as the frequency of regular investment, and you should pay attention to the rate of return. Sometimes there is a certain period of closure after the regular investment, so you should pay attention to when you can sell.

When these precautions are completed, it is to bind a payment method and deduct the payment after a certain amount of time.

At this time, you can find a particularly good **company, and then choose a more stable ** according to the ability of the individual, and then you can also go directly to the bank to buy, ** when you must pay attention to the relevant index and parameters of this **, and you must not buy a relatively large fluctuation.

Purchases can be made through the ** platform. **When you should first bind your own account, bind your ID number, bind your own bank card, and then select the corresponding ** to purchase, and then agree to all the terms of service, and finally click OK to buy.

I believe that many friends choose to invest because the risk of investment is not as big as investment, but they also know that although the risk of investment is small, the risk is still objective, and they finally made up their minds to choose regular investment, but they still don't know how to invest regularly. Don't worry, about how to buy ** fixed investment for newcomers, I will give you tips.

First, comprehensive consideration to choose the right one**

Generally speaking, it has been established for a long time, preferably more than 3 years, and the expected income in the same type of ** in 3 years ranks in the top 10%, and it is always managed by the same **manager**. It is best to compare between the same risk and the same type, and at the same time, you can also use the judgment of some professional companies to have a better judgment on the manager's management ability.

2. Choose the most suitable regular investment method

Generally speaking, there are three ways to make regular investment, one is through the online banking function provided by the bank or to the bank to buy, the other is through the online trading function provided by the company, and the other is to buy online or offline at a third-party sales agency. Generally speaking, third-party platform transactions are becoming more and more convenient, and the user experience is good, and the fee rate is also low.

3. Jump out of several misunderstandings of regular investment

How to buy ** regular investment for novices? In addition to understanding the above, it is also important to pay attention to skipping the following two major misunderstandings.

Myth 1: Suspend as soon as it falls, and redeem it as soon as it rises. If you can roughly judge the trend of the stock market crash, don't hesitate, stop when it comes, and wait until it falls almost, and then gradually resume regular investment or increase chips.

In the long-term regular investment, the regular investment usually has the opportunity to usher in at least one bull market or large level**, once the net value rises, you want to redeem, which is actually contrary to the original intention of the regular investment, but it is also a good choice to transfer the rapid appreciation of the fixed investment property to other assets with low risk.

Myth 2: After the ** redemption of the regular investment, the regular investment will be automatically terminated. In fact, even if the investment contract is fully redeemed, it is still valid if it has not expired.

Therefore, as long as you still have money in your account, it will still be deducted when the deduction is agreed. If you want to cancel the AIP plan, you have to go to the third-party platform or ** company that handles the AIP to terminate the operation.

Afterword

Novice investment is often unable to sell at a low and high level, but is prone to reverse operations of chasing up and down, so for novices, regular investment is a lazy financial management skill. However, novice regular investment** also needs to master skills, so what are the misunderstandings of novice regular investment**?

1. Choose a regular investment with less volatility

The main advantage of regular investment is that the cost and risk are evenly distributed through the investment in stages, so higher volatility is more suitable for regular investment. When the volatility is large, there is an opportunity to gain more shares at the low price, and harvest higher expected returns after the high price, and flatten out the losses at the high point.

For currencies and bonds, which are less volatile, because their expected returns themselves are relatively stable, whether it is a one-time investment or a regular investment, the expected return and risk are almost the same, so the meaning of regular investment is lost.

2. It can only be invested on a monthly basis

The cycle of regular investment is not limited to monthly regular investment, and it depends on how the company sets it, but most of them support weekly, monthly, or quarterly regular investment.

**Regular investment is a long-term investment method, and the impact of the fixed investment date and cycle on the expected return in the long run is very small, so investors can choose the appropriate regular investment time according to their own capital situation, such as choosing regular investment after the month-end salary is paid.

3. Stop regular investment when you lose money

Many novices stop investing because they can't bear to lose money after seeing **net worth**. Under normal circumstances, it is more necessary to insist on regular investment when there is a loss, and only when the share is low, it is possible to get more expected returns and lower the average cost, because the net value means that the same funds can be more shared.