01 Look at the fees
At present, all channels with fund sales qualifications in the market, such as banks, fund company direct sales, securities companies, third-party sales agency platforms, etc., can sell funds, but the subscription rate of each channel is different.
For example, if you also use 10,000 yuan to buy a fund, some channels will not be discounted, the rate is 1.5%, and the subscription fee is 147.78 yuan; some channels have a discount rate of 0.15%, and the subscription fee is 14.98 yuan. Judging from the preferential treatment of handling fees alone, is it not fragrant to drink milk tea after saving more than 100 yuan?
02 Look at the industry
When it comes to the industry, I love baijiu, baijiu YYDS!
For a fund to rank first for returns in a year, it takes not only strength to break the leaderboard, but sometimes luck as well. This may be because it is focused on buying stocks in a certain industry or theme. As soon as the prices of these stocks rose, the fund rose, by chance. Again, you can’t just look at a fund’s performance over a year. Don’t buy “champion funds” just to follow trends.
03 Look at the type
When allocating funds, be sure to be optimistic about the type of fund and allocate your own cash flow.
For example, some friends sometimes need money urgently, but when they are about to redeem the fund , they find that they are buying funds such as “XX three-year fixed opening”, “XX one-year mixed holding” and so on, which cannot be redeemed anytime, anywhere. Back, I was about to cry.
Of course, this fixed open-end fund also has advantages. For investors, the most important role is to help us control the lot we want to sell and limit the behavior of frequent trades. Especially in the current market turmoil, it is very important to avoid the chase.
In addition to the different opening periods, funds are also classified into currency, bond, hybrid, stock and other types according to different investment objects. Its investment scope and risks are different. Here, we should remind everyone that we must research the details of the fund before investing.