What kind of starter fund did you get through?

According to your own investment objectives and income risk appetite to determine what type of **, choose**, and build a **portfolio composed of multiple **, which varies from person to person. Because everyone's risk tolerance, investment cycle, and investment goals are different.

I only remember that when I was about 09 years, I still went to the bank to open an account and bought it online banking**, and I was fixed at the beginning, so I developed a good habit of saving money anyway.

In 2007, I heard that even my aunt bought, that would be no money, basically did not pay attention, to 2016, I had money, I learned about the top ten ** companies, and I chose Harvest** and Huaxia** companies to sell directly online, easy to operate, first start with the currency ** and index, and slowly have experience.

I listened to the audio of ** fixed investment from the Himalayas, and I felt very reliable, and I bought some books to study, and now I have started to practice for 2 months.

First I saved some money at work, and then some of them got started**, of course, through the help of my family, without them, I would not be where I am today, so I am very grateful to my family for their help.

Through Zhihu's Q&A, I began to know this kind of thing, and then I began to find books to explore by myself, which benefited me a lot. Now it's also investing.

Find out about it in the press**. China ** Daily, Shanghai ** News. **Times and other professional finance**, on the net value announced. Learn step by step through these channels. It's still pretty good.

If you want to invest, you must first figure out what **is. In the existing securities market, we generally invest in contractual funds. That is, it is established by the first manager, the custodian and the investor through the first contract.

I only knew about the existence of such a thing through my mother who bought it**, and later, through the introduction of some apps, and then I had a deeper understanding of the existence of ** this thing.

I got started because of a friend's introduction, because my friend is an expert in **, so under his introduction, I got started**.

Hello, if a newbie wants to invest**, first of all, you have to understand what **is**.

In a broad sense, ** refers to a certain amount of money that is set up for a certain purpose. It mainly includes trust investment, provident fund, insurance, retirement, and various wills. In the narrow sense, it mainly refers to investment.

In a narrow sense, it is understood that investment refers to an investment tool that is raised through the sale of shares to form an independent property, which is managed by the manager and managed by the custodian, and invested in the form of an asset portfolio, and the share holder enjoys the benefits and bears the risks according to the shares it holds. In layman's terms, it means that many people give a lot of money to a **company to buy** or buy bonds.

A **purchase** has a large proportion of funds, which is **type**. Funds used to purchase bonds are known as bonds**. Buying bonds and ** in a certain percentage is a hybrid**.

The biggest feature of ** is that investors complete the investment behavior by purchasing ** bonds, and share the investment income of ** investment ** with it, and bear the investment risk of ** investment**.

Second, secondly, you have to understand the investment costs.

The cost includes the handling fee and the operating fee, where:

Handling fees include: subscription fee, subscription fee, redemption fee, conversion fee;

Subscription fee = subscription amount x subscription rate (the rate generally does not exceed the subscription amount.)

Subscription fee = subscription amount x subscription rate (rate.

Redemption Fee = Redemption Amount x Redemption Rate (Rate.

Management fee = management amount x management fee rate (rate.

Custody fee = custody amount x custody rate (around the rate).

Third, understand and pick the type you need.

The classification of **Investment** is as follows:

According to whether the unit can be increased or redeemed, it can be divided into open and closed.

According to the different organizational forms, it can be divided into company type ** and contract type **.

According to the different investment risks and returns, it can be divided into growth, income and balance**.

According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

The choice should be judged according to your own risk tolerance, if the risk tolerance is strong, you can give preference to the **type**. Risk-neutral people should buy hybrid**. People with poor risk tolerance should buy bonds**, currency**.

If you have a strong willingness to protect your capital, you can invest in low-risk capital protection** and currency**.

Three, how to choose**:

1. First of all, you should set your own investment goals and investment period, evaluate your risk tolerance, and determine whether you are a conservative, stable or aggressive investor;

2. Secondly, carefully and comprehensively assess a number of indicators, such as the performance of returns over the years, the ability and quality of managers and researchers, the risk control means and investment style of the management company, etc., and choose excellent varieties that are suitable for their own risk appetite for investment;

3. Finally, please track the ** you have invested in**, and adjust your financial asset portfolio based on the performance of the **, your own capital situation and income target.

**As an important investment tool in the investment market, it has gradually won the favor of the majority of investors with the characteristics of being stable and easy to manage. In the United States, where the investment market is very developed, more than half of the households invest in common funds, and most of the assets in the family exist in the form of **. We can learn from the investment methods of ordinary people in the United States and realize the accumulation of wealth through **, so as to complete the leap from ordinary people to the rich.

Buy new** or buy old**.

With its "high yield, low risk" advantages to attract the majority of investors, so the industry in our country has developed rapidly, some of the old in the market are still old and strong, and new ones are also emerging and thriving. At present, there are more than 400 **investment** in China, and the market is becoming more and more complex. As a result, many investors almost have a question:

Is it better to invest in the new IPO (initial public offering), or to invest in the old ones that have been in operation for a while?

In fact, the old and the new have little to do with the good or bad, and the old and the new have their own pros and cons. For example, the subscription rate of the new ** is usually relatively low, but there is a lack of historical reference data, if the manager of the **company** is also a newcomer, we cannot understand its investment strategy, let alone judge its investment ability; And for the old **, we have sufficient data to refer to.

The most fundamental point in buying the old ** is to look at the historical performance. The old ** performance has a historical record, and these historical performance is an important prerequisite for investors to make the right choice. In the overseas mature market, the evaluation of the advantages and disadvantages of a ** generally depends on its performance for at least three years.

The road knows the horsepower, and the people will see it for a long time. Only by observing for a long time can we fully understand the investment philosophy of a ** and its ability to deal with risks; And a test of ** is the financial product we trust. Experts suggest that the following aspects are very important when choosing.

1.Your own risk tolerance.

Of course, we have good expectations for the future earnings of the new **, but we must also be fully prepared and actively understand the risks of the new ** products. When investing in a new **, be sure to do a good job of self-risk assessment before investing.

2。Ability to manage people.

Compared with the old **, the new ** does not have a historical operation as a reference, but the ** manager has a 'report card' of historical management and operation, so investors can make a general judgment on the future of the new ** from the performance of its other **.

3.There is no analogy with ** performance.

When we participate in innovative investment, it is obviously incomplete to use the performance of the master as a yardstick to measure the new investment. Because changes in the market environment are irreplaceable, let alone replicable. Therefore, the performance of innovative ** still needs to be further tested by the market.

**Of**can be a one-time**, or it can be**regular investment, I personally think that the former is mainly suitable for**stable performance, steady**, or **better situation, at this time can be one-time at a lower point**.

Obtain higher returns; The latter is mainly suitable for high volatility, or when it is impossible to grasp it, because it is difficult for most people to judge the high and low points, so the use of regular investment methods can avoid the embarrassment of buying at the high point, with a smaller share at the high point and a lower share at the low point, so as to achieve low cost amortization.

First come to us to open an account, and then transfer money to operate.

It's a lot of people who give a lot of money to a company to buy or buy bonds. A **purchase** has a large proportion of funds, which is **type**. Funds used to purchase bonds are known as bonds**.

Buying bonds and ** in a certain percentage is a hybrid**.

Investors have to hand over their money to the company, and the company's professionals will speculate on bonds, whether in terms of technical level or time, they have more advantages than ordinary investors, and the opportunity for profit is much greater. Therefore, investors need to pay a certain labor fee to the company, which is the subscription fee, subscription fee, redemption fee and management fee.

Write it out and express your true feelings. 1240

It's really ugly to wear it like this. 42

Novices still need to understand some basic knowledge before buying, so that they can make their investment more rational and effective.

1. Why buy **?

1. The expected annualized return of other financial instruments is too poor, and the short-term volatility of simply buying ** is too large, and the expected annualized return and risk attribute of ** are in between, and the liquidity is very good. It performs well in the three important attributes of expected annualized return, liquidity, and risk, but it is relatively fixed expected annualized return products, and the expected annualized return is uncertain, so it is necessary to introduce the fourth pole of time to consolidate the expected annualized return.

2. It has a history of nearly 20 years in China and hundreds of years in the United States, and has incomparable advantages in transparency, regulation, investment thresholds, and investor communication channels. In addition, due to the frequent financial innovation and diverse asset types, it can be said that it is the best investment tool for ordinary investors to achieve asset allocation.

Therefore, although the industry will have news of rat warehouses from time to time, although some people will lose a lot when they buy it, this is the same as the risk of the industry, but it is just a risk performance.

The key lies in whether the investor has a correct understanding of this investment tool, a correct understanding of himself, and a high probability of correct investment methods.

2. Who is suitable to buy**?

Such a person is, of course, a person who understands **.

Understanding in a narrow sense only refers to understanding the classification, understanding how to screen a good one, and having certain investment experience.

Investors need to understand 5 things when choosing **investment** as an investment and financial management tool. Specifically, it is to understand yourself, the market, the history, and the management company.

Know yourself, that is, you are clear about your risk appetite, have a reasonable ability to plan funds, and choose the right one according to your personality, amount of funds and family income.

Understanding the market is mainly to understand the market to which it is invested.

To understand history, the main thing is to understand the major events of the market in the past 20 years and even the market, and to learn from history.

To understand the management company is to understand the company that is more important than the manager, and to understand their style and reputation.

If you meet all the above conditions, then hurry up and buy it, and you will be the next person to make money.

If you want to buy, you can buy it in a variety of ways, such as banks, companies, brokers, third-party mobile payment platforms, etc. Investors can choose a suitable method before buying. After that, investors choose the type that suits them according to their risk appetite, for example, prudent investors can choose currencies or bonds, and aggressive investors can choose **** or stock-biased hybrids.

Finally, enter our purchase share when purchasing, and wait for the share confirmation after submission.

**As it is a long-term investment product, the short-term is not obvious in terms of returns. Even some high-risk** returns that fluctuate significantly can lead to negative returns. Therefore, investors should be clear about this aspect.

When investing, it is best to use your free funds so as not to delay your use.

**Investment precautions: 1. Pay attention to the cost. When purchasing, there will be some fees, such as subscription fees, subscription fees, redemption fees, etc.

Of course, there may be differences in each one. Therefore, investors also need to be aware of these fees before buying**.

2. Pay attention to the trading hours of **. In fact, the trading hours of ** are about the same as the trading hours of **, from 9:30 to 11:00 every working day

30 and 13:00 to 15:00 two time slots.

What needs to be paid special attention here is around 15 o'clock, when investors buy ** before 15 o'clock, it will be calculated according to the **net value of the day. If you buy ** after 15 o'clock, it will be calculated based on the net value of the next trading day. Therefore, the difference between these two times is still relatively large.

3. Pay attention to the redemption time. Generally, when the redemption is carried out, the time to arrive is about 2-3 days (it may be longer on holidays), and it is rarely T+0. Therefore, if the investor is in a hurry to use the money, it is better to redeem it early.