How do novices stock? How to open an account?

With the growing awareness of contemporary young people's financial management, more and more young people want to open stock accounts, while novice Xiaobai blindly opens accounts without knowing anything, which is equivalent to taking the wrong first step on the road of financial management. As the saying goes, "One step is wrong, one step is wrong", so it is strongly recommended that small white novices who want to participate in the capital market must understand clearly before opening an account! ! !

It's really convenient to open an account in the internet age. Lying on the sofa and blowing air conditioning will open an account, so many young people directly open securities accounts on the three-party platform APP, but this "randomness" has also laid a "time bomb" for future investment. The strength of securities firms, transaction costs, operating software, etc. They are all important reference dimensions when choosing brokers. Next, I will give you a detailed introduction ~

First, choose a powerful big brokerage firm.

Generally speaking, the advantage of big brokerage firms is to make investors worry and save effort. He will answer questions you don't understand in time to avoid losses, and he will help you think about and solve unexpected problems to avoid risks. What an investor can do is certainly far less than what a professional investment and research service team can do. Big brokers can give investors strong backing: strong investment and research strength, diversified business handling, professional service personnel, network coverage all over the country, thoughtful gifts for holidays and so on.

According to the Regulation on Classified Supervision of Securities Companies, securities companies are classified into five categories: A, B, C, D and E, all of which are operating normally, and the classification of their categories only reflects the relative level of business activities in the industry that are suitable for their risk management ability and compliance management level. Class D and E companies are companies whose potential risks may exceed the company's tolerable range, and risk disposal measures are taken according to law because of significant risks. Therefore, for the sake of account security and fund security, it is suggested to choose Class A brokers, such as Huatai Securities, Guotai Junan, Guo Jin Securities and Shenwan Hongyuan.

The following is the classification rating of some securities companies in 20 18-2020, for reference only ~

At present, there are 49 A-share listed brokers, and these big brokers have certain advantages in capital cost. They can obtain lower financing cost through direct financing of A shares. If you need to open margin financing and securities lending in the later period, you can get lower financing interest rates in these big brokers (as far as I know, some brokers can achieve the interest rate of margin financing and securities lending below 5%). I will share the relevant knowledge about margin financing and securities lending in later articles, so please pay attention ~

Second, choose brokers with lower transaction costs such as commissions and interest rates.

The level of commission will cause a huge gap in transaction costs in the later period. At present, the market commission ranges from 1 1.2 to 12.5 (even the threshold of 1 1, including handling fees and securities management fees, is basically the cost price). For example, if you have an account with a commission of 1 and your friend's account has a commission of 2.5, assuming that you both have 1 10,000, you can save about 30,000 a year under the condition of infrequent transactions; In the case of frequent transactions, it is possible for you to save 65,438+million a year. So a small difference in commission may be a big difference when accumulated. You can save one car a year. Did you find such a big bargain?

The following is an estimate of the cost saved by each client under different commission standards in the case of infrequent transactions, for reference only ~

In addition, the current market interest rates of margin financing and securities lending are also very different. The standard interest rate of double financing for all securities companies in China is 8.35%. If you open an account with the account managers of some securities firms, the double financing interest rate can be adjusted to 5%~5.88% (if the assets are in the tens of millions, it can be adjusted to 4.8% after general negotiation, but if someone tells you that the double financing interest rate can be adjusted to below 4.8%, it is basically cheating you! Because the cost of brokerage is 4.8%, no one will do business at a loss, right? Therefore, when the double interest rate is lower than 4.8%, we must be vigilant! ! ! )。 For example, your margin interest rate is 5% and your friend's interest rate is 8%. Suppose you all have 6,543,800 yuan, and you can save 30,000 yuan a year.

The following is an estimate of the cost savings of each principal under different double interest rate standards, for reference only ~

The following are relatively low interest rates compared with more than 100 securities companies, for reference only ~

Margin trading can actually be opened online, but only a few brokers can.

Third, the experience of trading software

Big brokers spend huge sums of money to maintain and upgrade their official trading software every year, just to give investors a better experience. Then we can judge whether an operating software is qualified from the following three dimensions: transaction speed, timeliness and accuracy of information, and richness of software functions. First of all, trading speed: trading speed is the basis of trading! It is the top priority! Fast 0. 1 sec is the difference between off and off. After all, we buy and sell stocks at the right time. The second is the timeliness and accuracy of information. The information of the stock market is always updated quickly. Various departments, industries and companies have new news released at any time. Timely and accurate updating of information is very important for investors to seize market hotspots and judge future trends! The third is the richness of software functions. Good trading software can not only trade quickly, but also have many useful functions for investors. For example, many investors are interested in the recent popular power grid transactions, but they also have many views on what power grid transactions are and how to operate them. However, instead of screening complicated investment teaching information online, it is better to subscribe to investment teaching courses for free on the big brokerage APP, as shown below.

I just give you a small example. There are still many functions in the software waiting for you to develop, which is very helpful for you to choose the right time and place to stock!

Finally, I want to give you some advice. Stock trading is a very professional thing, so for your own benefit, you should find a professional and responsible account manager to do all the services well.

So how to screen account managers?

The first is professionalism: a professional account manager will bring professional information and suggestions to your follow-up investment;

Second, timely communication: in view of the timeliness of stock trading, the account manager must reply to your questions about investment as soon as possible;

The third is willing to make a profit: within the scope of authority, willing to apply for the minimum commission for investors;

Fourth, there is a sense of responsibility: keep track of the stocks held in customer accounts at any time, and notify customers as soon as a major black swan incident occurs and give relevant suggestions;

Fifth, long working hours: long working hours mean stability, and you won't leave your job easily, so you can provide long-term professional investment services for customers.

The above is my little suggestion on how to choose a brokerage account. I hope that everyone will not blindly enter the market, and I also wish the small partners who enter the market a smooth investment and make a fortune! ! !