There are several questions about the fund, please answer those who understand!

Tell me my opinion, I started investing in funds myself in 2007.

1. In the market downturn, it is more suitable for buying funds. You can buy more fund shares because of the same money.

2. Funds can be bought and sold at any time like stocks, but it is not cost-effective to buy and sell at any time, because stocks have daily limit, but I have never heard that funds have daily limit, so it is not cost-effective to buy and sell funds in a short time. There is also a longer purchase and redemption time. Generally, online banking takes T+2 days to purchase and T+5 days to redeem, which means it takes 2 working days to purchase and 5 working days to redeem. If you don't sell it like a stock, the money will arrive.

3. Buying funds on the fund company's website has several advantages: the time for buying and selling accounts is shorter, as long as T+ 1, while general online banking or other consignment agencies need T+2; The handling fee is lower. Security As long as your bank is safe, there will be no security problem of the fund company's website, of course, the premise is to be a formal fund company.

3. Fund companies with fixed investment: Since we want to make fixed investment, we should choose stock funds with large fluctuations and great flexibility. You also refer to the one upstairs who said that he would choose Huaxia Fund, but the best-performing funds in Huaxia Fund are now suspended from subscription. I personally bought GF Fund, GF Steady, GF CSI 500 and GF Jufu stock funds. The yield from June 2007 to now is around 30%. The average is higher than CPI.

First of all, I admire the direct sales of fund companies to invest in funds. As for the reason, I have already said it above. The second is online banking. The most annoying thing is that banks line up to buy funds. Of course, on the other hand, if it's the elderly or something, it's better to go to the bank. However, the direct selling of Guangfa Fund where I am located has a disadvantage, that is, if you make a fixed investment, the monthly amount must be 500. In ICBC online banking, the minimum monthly deduction is only 200 yuan, so I certainly choose ICBC online banking.

So if the amount of your fixed investment is relatively large, I suggest that you use a fund company to invest directly, so the handling fee is cheaper. If the amount is less, more like my monthly 400, I will choose online banking. Personally, if you want to make a fixed investment, you'd better stick to it for more than three years, so the probability of positive income is very high. If you want to speculate in the short term, I suggest not buying funds. It is more convenient to buy stocks.

Continue to supplement downstairs ~ ~