How does novice Xiaobai buy funds?

First of all, you should understand that funds are high-risk investments. Choose the investment method according to the risks you can bear. Next, I will introduce two ways to invest in funds:

First, the risk investment law

Every method has a way to reduce the risk. This method follows the principle of "don't put eggs in one basket" to allocate funds. In other words, we can reduce the risk by allocating funds in stages.

For example, I have 10,000 yuan to choose five fund sectors: medical sector, semiconductor sector, new energy vehicle sector, technology sector and consumer sector. The average allocation for each class is 2000 yuan, but I don't want to buy it all at once. The risk is too great. I can open a position at 1000 yuan, depending on the situation. In case of callback, I will add positions in 500 yuan at one time, and then add positions in turn according to market sentiment. The rotation of different sectors can effectively help us reduce investment risks.

Second, the stable investment law.

Select some sector funds for allocation. These sectors are generally stock, index and hybrid funds. If you are a conservative person, you can use bonds and money funds for overall allocation. You can refer to the configuration ratio.

A total of15,335,420% of the principal is allocated to high-risk funds such as stocks, indexes and hybrids, 30,335,435% of the principal can be allocated to bond funds, and 45,335,450% of the principal can be allocated to monetary funds, which can also effectively reduce investment risks, but the returns are not so impressive.

At present, I allocate funds according to the first method, and the income is still considerable. Buying funds is very particular. In addition to the purchase method, you should also pay attention to:

The amount of funds is not the more the better, nor the less the better. Less is not conducive to reducing risks, more is inconvenient to manage, and it is easy to waste principal. Therefore, the appropriate type and quantity of funds can help us achieve a breakthrough in income. Choose different funds when buying funds, and it is appropriate to hold 5333548 funds according to the principal. Don't be greedy.

The quality of the fund will determine whether we can get more income. So when buying, how to choose a fund is also very particular. Among all kinds of funds, it is right to choose the fund with the highest performance. Buying a fund is actually the same as buying stocks. It depends on the profitability of an enterprise in the past two or three years. If the profitability is poor, it is not a good foundation. How can I see it?

There are various sections in the Alipay fund purchase interface, and you can choose the top-ranked funds to purchase. You can also see the details of the fund. The fund manager introduced which funds have been operated in recent years and the profitability. These are all reference factors.

Related Q&A: How to buy a fund? 1. It's not so complicated to open an online bank and buy it directly online. There is no fund trading card now. Just open it on your bank card. 2. The fund is not bought from the bank, and the bank will buy from the fund company. The bank sells it to you, so the confirmation letter of the fund that the bank has bought from the fund company shows that it is successful enough (sometimes the purchase is unsuccessful). So check whether the fund company has confirmed it two days after you buy it. 3. Redemption refers to the fund share you bought and the cash you sold. 4. Withdrawal means that you can cancel this operation after you buy the fund but change your mind and don't want to buy it. However, generally, the effective bank has cancelled it the day before submitting it to the fund company. Generally, you can't withdraw it, and you can only confirm the redemption (you have to pay the handling fee).