What to pay attention to when buying funds What do novices need to pay attention to when buying fund

How to buy**:

First choose what you want to buy**, (generally go to a big bank, there are **** projects, you can also ask the relevant staff of the bank to understand) after choosing, you can do a ** card in the corresponding **bank**bank (maybe some banks' operation procedures are different), deposit money, or connect **card with other cards you open in this bank (for example: I have a CCB salary card, then I buy ** in CCB, I have a ** CCB **card, connect the two cards) in me buy** When you tell the counter staff the selected **, and tell him how much money to buy (of course, at this time, I have to have so much money in my card or salary card) can **, generally**1000 yuan to buy, after buying, over.

Three or four days to print the separation order, because if you are a share of yuan, then the transaction (that is, when the time) may be yuan, so the separation order shall prevail.

What is **:

**, in layman's terms, is an institution, everyone**this**, is to hand over the money to this institution, and then the institution selects investment experts to invest, will invest**, real estate, etc., and then the money earned back will be deducted from the expert's fee, and then distributed to each **share, (because **there is a **value, such as yuan, and so on after a period of time may rise to yuan, then it is a share up, if you are **10,000 yuan, then if you deduct** handling fee of 200 yuan, You were equal to **9800 shares at that time, and now if you redeem, then it is 9800 times and then deduct the handling fee when selling, generally** do not need to pay the redemption fee for 2 years and then redeem).

**It is to have experts to invest and help you manage your finances, so you don't have to look at the trend every day like **, so it is more suitable for office workers. **Divided in** and currency **, of course** is high risk and high return, and the ** expert is also using the money to buy**, so when the **** trend is good, it is better to buy** style. The currency** is more conservative, but it is certainly higher than the interest rate of depositing in the bank.

As for financial management, you can separate your monthly salary and buy some**style** (this money is stored in the bank for a period of time, because**go for a long time, unlike **, go**,**is to be incubated), buy some currency**, because this can be redeemed by notifying the bank two days in advance when you need to use the money, but it is more than the bank interest.

Therefore, the risk of **** is greater than the risk of currency **!

Hi, I think buying ** depends on two things:

1. When the company is at a low ebb, if it is still good and has not been affected too much, then the company should be relatively stable.

2. Look at how the first few issues of this **company are selling, if the first few issues are more successful, then it's okay.

The most important thing is not to buy ** casually with the trend, you must see it before buying. Buying blindly will cost you a lot.

Hey my work experience. Hope it brings you something to gain.

The per share varies in real time, and it is difficult to generalize. Generally speaking, the minimum purchase is 1000 yuan, the minimum amount of one-time subscription is generally 1000 to 5000, and the minimum limit of regular investment is 100 to 500.

The three points to pay attention to when buying ** are liquidity, security, and yield.

Liquidity refers to the ability of the money you deposit to be redeemed at any time when needed, that is, the ability to liquidate. Many people think that to buy **, you have to buy those who have a large number of institutions to hold or **, thinking that you can get on the sedan chair of a large institution and enjoy the treatment of sitting in a sedan chair, but in fact, it is not.

Because after investing most of the money in the capital market, only a part of it is left to be withdrawn from the people. However, because large institutions are very sensitive to market trends and national policies, they will redeem as soon as there is a stir. At this time, the ** will lose liquidity, ** can not withdraw money, ** can only discount ** assets, the income will decline, more depositors will come to withdraw, continue to sell, a vicious circle, may be in a crisis.

So, the more you choose, the best liquidity.

Security, security is to consider the structure of the investor, you can look at its investment target. Theoretically speaking, the higher the return, the greater the risk. Especially when investing in ***, be especially careful.

The main thing is to consider the risk, return and liquidity of the investment target. Of course, according to the past investment rate of return and redemption record, it can also be seen whether it has good security.

Finally, it's time to consider the rate of return. If you **invest**, mainly look at the **market environment at that time**, in the bull market, the returns are often higher than the investors themselves**toss.

The main difference between these two is the different charging models. When subscribing for Class A, you need to pay a subscription fee and a redemption fee; If you subscribe to **Class C, you will not be charged a subscription fee, but you will be charged a sales service fee and a redemption fee (Class C funds have a 7-day redemption fee waiver system).

Hello, if you are satisfied with my reply, I hope to give me a thumbs up after adoption, your encouragement is the motivation for my reply

Novices generally need to pay special attention to the following three points:

1. Do not take **** as the purchase standard

Many novices will pick a unit with a lower net worth** to buy, thinking that it is cheaper to buy this way.

For example, the net unit value of A** is RMB, and the net unit value of B** is only RMB, so choose B** to buy.

Because the expected rate of return of different ** is different, after one year, the net unit value of b** may far exceed that of a**.

Therefore, when a newbie chooses **,You can't just take the level of **** as the purchase standard, but also refer to the expected rate of return and other indicators.

2. Understand the time of purchase

According to the different periods of operation, the purchase can be divided into two ways: subscription and subscription.

Because the new ** has not yet been listed, it is generally subscribed, and the old ** is generally subscribed.

Therefore, if you want to buy a new release, you need to understand this oneAccurate subscription timeThe subscription of the new ** is often relatively hot, and if you miss the time, you may not be able to grab the subscription share.

3. Understand the ** rate

**There are certain fees to be paid for purchase, mainly including subscription fee, redemption fee, management fee and custody fee.

There are also many channels for purchase, such as banks, companies, third-party platforms, etc., and the rates of different purchase channels are inconsistent.

Generally speaking, the subscription fee for direct sales through ** companies is the lowest, and the subscription fee for third-party platforms is not high.

Newbies buy** study guides.

Take a look at the current market situation. Generally speaking, it is based on rankings, and because investments are long-term investments, you can look at which of the types of investments you have chosen (such as hybrid, bonds, or currencies) has performed well this year or in the past two or three years.

Among the few that perform well, choose some companies that belong to relatively large companies, such as Huaxia, Penghua, Harvest, etc., and then click on their ** to see the information.

After having a smaller range of choices, make some judgments based on the current market situation, such as whether the industry will go up or down in the future, and which industries will have development prospects. Then compare these things with the previous alternatives, and if they do, you're ready to invest.

In the information, you need to take a look at the information of their ** manager, that is, what their investment philosophy is, and then look at the investment performance of this ** manager, I suggest to look at it in stages, one is a bear market, one is a bull market, one is a ** market, so that after reading it, you should understand how this manager is.

Precautions for novices to buy **:

1.Don't buy new ** when **** is the hottest, because the new ** is not ** is basically forced to open a position at a high level, and the short-term risk is greater.

2.Don't do it all at once**, try to stretch the timeline, and make regular investment every month or several months more reasonable.

3.Don't just buy a certain sector, otherwise once this sector adjusts, it will be very passive, and it is more reasonable to diversify about 3 investments.

4.After buying, don't stare at the income every day to pursue short-term profits, and take a long-term view. The essence of ** is to help people who do not have time to watch the market or do not know how to pick stocks to make long-term investments, not to do daily ** trading.

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 of them have a substantial increase in performance, and the net value has naturally increased a lot, but most investors suffer from fear of heights in net worth, and even those with a net value higher than 3 yuan dare not buy, feeling 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 in a hurry 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 rise and 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.

1.Scale: To buy an index**, you must first look at the size.

Because the scale is too small, it is easy to be liquidated, that is, closed. Because the scale is too small, it is difficult to receive enough management fees, and it is easy to disappear if it encounters large-scale redemptions. Moreover, the general large-scale ** rate is also relatively low, and the scale of the index ** is more than 100 million, so we can buy it.

The lower the rate, of course, the better. **The fees to be paid attention to are as follows: subscription fee, redemption fee, transaction commission, management fee, custody fee, and sales service fee.

And because of our country's tax system, the longer you hold a company, the lower the dividend tax rate will be when you get the company's dividends, and the longer it is established, the less dividend tax may be paid.

4.Tracking the index: The situation of tracking the index is generally as close to the trend of the index as possible, of course, some enhanced indexes** may not move the same trend as the index because of changes made in the stock selection criteria of the index.

It is recommended that novices only buy ordinary index **, because the enhanced index ** is confidential about the change of the original index stock selection method, and you don't know that it has changed**, so it is difficult to judge what the future return will be. It is advisable to consider these enhanced indices after some investment experience**.

5.Trading rules: When buying an index**, you also need to be aware of some special trading rules.

Extended Materials. 1. Subscription fee: If you buy outside the account, the company will charge a certain percentage of the subscription fee according to the transaction amount.

2. Management fee, custody fee: The management fee is to help you manage the first salary, the custody fee is to ensure the safety of investors' funds, and the investor's money is not placed in the company's account, but to find a bank for custody, and this fee is for the bank.

3. Sales service fee: This is charged for class C**, and some ** names with a C are generally like this**.

4. Transaction commission: This is the fee that needs to be paid for buying in the account.

5. Redemption fee: When selling, the company will charge different proportions of redemption fees according to the holding time, and each will be different.

1. Market**. Investors in the bear market stage, try to choose bonds, currencies to avoid risks, in the bull market stage, investors try to choose the best type, to obtain greater returns.

2. Establishment time and rating. **The shorter the establishment time, the lower the rating grade, the higher the risk, investors should choose the longer the transaction time**, the establishment time to Laqing less than 3 years, the higher the rating**.

3. Manager. The strength of the manager's operating ability affects the performance of the performance, as well as the trend of the net worth. Investors try to select managers with strong operating ability and higher returns under management.

In addition, it is not recommended to buy a manager who changes managers frequently.

4. Investment target. The trend of the investment target will also affect the trend of the net value, the future income of investors, investors should choose those who are in the trend of the target, and their development potential and prospects are larger.