I want to buy a fund, how do I buy it?

As long as the investment method is correct, you will definitely be able to make money. \x0d\ The best way to manage money for low-income young people: buy funds with a fixed amount on a regular basis \x0d\ Young people who have just started working have low incomes and rely on saving thousands or eight hundred dollars every month. However, professional financial managers believe that although the monthly savings Not much. If you choose the right investment tools and investment methods, you can not only develop financial management habits, but also accumulate a lot of wealth. \x0d\ The so-called regular fixed-amount fund purchase means that the investor agrees on the monthly deduction time and amount, and the sales agency (including banks and securities firms) automatically completes the deduction and deduction from the investor's designated capital account on the agreed date of each month. A long-term investment method for fund subscription applications. \x0d\ With this method of fund investment, first of all, young people do not have time to manage finances, and buying funds with a "regular fixed amount" is similar to "small deposits and withdrawals". You only need to go to the bank or securities business department to apply for it once. \x0d\　Secondly, many young people know little about the securities market, and using regular fixed-amount investment in funds can average costs and spread risks. \x0d\ Finally, many young people have little and unstable monthly savings due to the many items they need to spend on. The threshold for regular fixed-amount plans is very low. The starting point is generally 100 yuan to 300 yuan. It can be deducted monthly or based on Bi-monthly or quarterly deductions will bring almost no additional pressure to them, and they can accumulate small amounts into large amounts, turning small money into big money to meet future needs for large amounts of funds. And you can develop good financial management habits. \x0d\　Case \x0d\　Because regular fixed amount investment is to invest a fixed amount in a fund at a fixed time interval. Generally, you don’t care about the entry time. \x0d\For example, if you invest 100 yuan in an open-end fund every two months, and the total amount of investment is 600 yuan in a year, the subscription price of the fund for each investment is 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 1.1 yuan, then the number of fund shares that can be purchased each time are 100, 105.3, 111.1, 108.7, 95.2 and 90.9 respectively (subscriptions are not taken into account) fee), the return on investment is (1.1×611.2-600)÷600×100%=12.05%. \x0d\ If you invest 600 yuan at the subscription price of 1 yuan from the beginning, when the net value of the fund reaches 1.1 yuan, the return on investment will be only 10%. Of course, if you make a one-time investment when the net value of the fund is 0.90 yuan, when the net value of the fund reaches 1.1 yuan, the return rate will be 22.2%. The problem is that it is not easy to catch such a low point. \x0d\　 Regularly fixed-amount funds are not only suitable for young people, but also for investors of other age groups with sustained low incomes. However, this investment method must take a long time to see the results. It is best to continue investing for three years. years and above. \x0d\ A statistics simulated in Taiwan shows that as long as a fixed amount is invested for more than 10 years, the probability of loss is close to zero. Moreover, this method of "deducting money to buy funds every month" can help young people who spend a lot of money to save a fixed amount every month without realizing it, compared to investing in stocks or buying funds in a lump sum. funds. \x0d\　Investment Steps\x0d\　The first step in fund fixed investment is to choose a low-cost and convenient bank. Many banks levy annual bank card fees and small account management fees. Fund fixed investment is a small long-term investment method similar to "small deposits and lump sum withdrawals". If you cannot choose a bank that exempts you from this aspect, you will have to repay it irregularly every year. It is definitely not cost-effective to deduct these expenses. Convenience is also a very important consideration. Investors can appropriately choose outlets that are nearby and offer high-quality services. It is recommended that they consider banks that are responsible for issuing wages on behalf of their unit or that usually handle financial management services. \x0d\　The second step is to use fast personal online banking as much as possible. The financial security issues of online banking have deterred many investors, but most fixed-term fund investments do not require the online transfer function, so friends who are worried about this can rest assured. Fund fixed investments through bank channels can be accepted over the counter or online. Compared with over the counter acceptance, online banking inquiries are more convenient, and it is also extremely fast to modify the type, amount, cycle, dividend method and entrusted redemption of fixed investments. Many banks have opened free SMS notification services for account changes. It is recommended that you also customize the SMS notification service when opening personal online banking. \x0d\　The third step is to determine the fund types suitable for fixed-amount investment.

More and more people know about funds in the past two years, but many people do not distinguish between bond funds and currency funds with lower risks and stock funds with higher volatility. Therefore, when making fixed investments, they must be aware of the fund types they choose. Not strong. Fund fixed investment, as a long-term disciplined investment, is conducive to reducing the average purchase cost of funds with large price fluctuations such as stocks, but it has no obvious effect on bond and currency funds with smaller volatility. Therefore, it is recommended that when investing in funds, you should consider more stock funds with large price fluctuations and avoid bond or currency funds with less volatility. \x0d\　The fourth step is to focus on the fund company’s reputation and overall performance. Fund fixed investment is a marathon investment. As the saying goes, "the road is far away and the horse power is known." The reputation of a fund company directly determines the size and sustainability of this horse power. If timing investment allows for the opportunity for correction, fixed investment itself is a disciplined investment made to avoid excessive inclusion of human factors, so you must carefully choose a reputable fund company from the beginning. The reputation of investors, the image and status in the industry, and the fund company's announcements and behavioral consistency when the market changes suddenly are all important indicators for measuring the credibility of a fund company. The other is the overall performance of the funds under a fund company. Most of the products perform well, which reflects the fund company's overall higher management level and team collaboration capabilities. At the same time, this can also better explain that it is difficult to transfer benefits between the company's products. These are behind-the-scenes operations. \x0d\　The fifth step is also the most critical step, which is to clarify goals and make long-term investment. The goals of fund fixed investment are generally the following: compulsory savings for young people who have just entered society, accumulation of real estate down payments or wedding expenses, higher education funds or first entrepreneurial funds prepared by middle-aged parents for their children, and of course House exchange funds, pensions, etc. These goals are medium and long-term goals, but the market is constantly changing and there are many temptations. It is crucial to be able to hold on to the green hills and persevere. Since you have chosen fund fixed investment, you have chosen not to choose a time or discern the market environment from the beginning. This is the charm of fixed investment. Forget about the price paid when buying, because always thinking about the price when buying can easily create a psychological shadow, and eventually you will completely forget the original intention of fixed investment in the fund.