How to treat the fund? What kinds of funds are there? How to invest?

According to whether the fund units can be increased or redeemed, investment funds can be divided into open-end funds and closed-end funds. Open-end fund refers to an investment fund with a fixed scale. After the fund is established, investors can purchase or redeem the fund shares at any time. Closed-end fund refers to an investment fund whose fund scale has been determined before issuance and fixed within a specified period after issuance.

2. According to different organizational forms, investment funds can be divided into corporate investment funds and contractual investment funds. Corporate investment fund is a profit-oriented joint-stock investment company composed of investors with the same investment objectives, and invests its assets in specific objects; Contractual investment funds, also known as trust investment funds, refer to investment funds formed by fund sponsors issuing fund shares according to fund contracts concluded with fund managers and fund custodians.

3. According to different investment risks and returns, investment funds can be divided into growth investment funds, income investment funds and balanced investment funds. Growth-oriented investment funds refer to investment funds whose investment purpose is to pursue long-term capital growth; Income fund refers to an investment fund whose purpose is to bring high-level current income to investors; Balanced investment fund refers to the investment fund whose purpose is to pay the current income and pursue the long-term growth of capital.

4. According to different investors, investment funds can be divided into stock funds, bond funds, money market funds, futures funds, option funds, index funds and warrant funds. Stock fund refers to an investment fund with stocks as the investment object; Bond funds refer to investment funds that invest in bonds; Money market funds refer to investment funds that invest in short-term securities in the money market, such as treasury bills, negotiable certificates of deposit of large banks, commercial bills, corporate bonds, etc. Futures funds refer to investment funds that mainly invest in various futures varieties; Option fund refers to an investment fund that takes stock options that can distribute dividends as the investment object; Index fund refers to an investment fund that takes the price index of a securities market as the investment object; Warrant fund refers to an investment fund with warrants as its investment object.

5. According to the types of investment currencies, investment funds can be divided into dollar funds, yen funds and euro funds. Dollar funds refer to investment funds that invest in the dollar market; Japanese yen fund refers to an investment fund that invests in the Japanese yen market; Euro fund refers to an investment fund that invests in the euro market.

In addition, according to the different sources of funds and regions, investment funds can be divided into international funds, overseas funds, domestic funds, national funds and regional funds. International funds refer to investment funds with domestic capital and investing in foreign markets; Overseas funds are also called offshore funds. Refers to investment funds whose capital comes from abroad and invests in foreign markets; Tongnei Fund refers to an investment fund whose capital comes from China and invests in the domestic market; State funds refer to investment funds whose capital comes from abroad and invests in specific countries; Regional funds refer to investment funds that invest in specific fields.

If this is your first time to buy a fund, I suggest you go to the bank to buy it.

If you buy at the bank counter, you only need to apply for a debit card from the bank, fill in the personal card application form at the bank counter, and then the counter staff will help you. Not every bank sells the same fund. Choose your favorite fund in this bank, fill in the fund application form, and the counter staff will help you do it well, that is, generate a fund account on your card. If the fund company has an account, as long as you have money on your card, it will be transferred to this fund account when you buy it.

The operation of the bank counter staff is:

Pay the money first, and then put it on the account. After counting the cash handed in, swipe your card in the card reader according to the completed card application form, and then enter a series of information such as your name. You will also be asked to set the card password, usually twice. After the card is completed, select the registered account of the fund customer in the fund business option, and fill in the information such as name and address at the same time, and the system will generate a basic account, which is the only account corresponding to your card. Then choose the fund subscription option, choose the fund you want to buy, enter the amount you want to buy (provided that there is enough money in your card), and then print the transaction slip, which may require you to sign for confirmation. Each of your funds has an account, but your customer number is unique.

When you redeem it, you transfer it from the fund account to your card deposit account. The fund account still exists, so when you want to buy it again in the future, you will use this fund account. If you no longer buy the fund, you can cancel the fund account, fill in the fund account cancellation form, and the bank staff will cancel the account.

If you have opened online banking, you can also open it online, taking ICBC as an example:

Detailed operation steps of ICBC online fund purchase

Fund purchase: purchase or subscribe for the invested fund products.

Operating steps:

Step 1: In the "Online Fund" menu, select "Fund Transaction-Fund Purchase".

Step 2: The system will automatically return the information of various fund products represented by the bank, including the fund products currently being issued by the bank.

Step 3: Click "I want to buy" in the operation bar of the fund to be purchased.

Step 4: Enter the quantity to be purchased. Click "Confirm" to make the transaction.

Step 5: Confirm the transaction information. After the transaction is successful, your funds will be temporarily frozen, and the funds will be officially transferred after the fund company confirms it. Please pay attention to inquire about the fund account and the change of fund account balance.

Matters needing attention

1, first purchase amount = personal minimum purchase amount+transaction level difference ×N(N is an integer); Additional purchase amount = personal minimum additional purchase amount+transaction level price difference ×N(N is an integer).

2. Front-end fees refer to the handling fees that need to be paid when subscribing and purchasing funds; Back-end charges refer to the fact that there is no need to pay the handling fee when subscribing and purchasing funds, but the handling fee is paid at the time of redemption, and the handling fee decreases year by year with the increase of the number of years of holding funds; Please check with the fund management company for details of fees.

3. When purchasing funds, if the trading hours are not within the normal trading hours of the fund market, we will process your purchase trading instructions within the next trading day.

Noun explanation:

Front-end charge: refers to the payment method for investors to pay subscription fees when they buy open-end funds.

Back-end charge: refers to the payment method that investors do not pay the subscription fee when buying an open-end fund, and then pay it when selling it. Back-end fees are designed to encourage investors to hold funds for a long time. Therefore, the rate of back-end charges will generally decrease with the growth of holding funds. Some funds even stipulate that if investors can hold the fund for more than a certain period of time before selling, the back-end fee can be completely exempted.

If you want to buy on the fund company's website, the operation is as follows:

Find the "Online Trading" menu on the fund company's website and select "Open Online Trading". At this time, you need to provide the bank card number, ID number and name. Next, the fund company should confirm your bank account (if you use the CCB card, 0.0 1 yuan will be deducted from your account to ensure the validity of the bank account. Industrial bank card will not). Then, you need to provide detailed contact information to complete the registration.

At this time, you can already buy funds. However, the purchase record will not be found immediately after subscription, and it will take 1~2 days. After the fund company confirms your account opening (usually SMS reminder), it generally confirms the fund subscription at the same time.