gorf| What to pay attention to when purchasing funds from stock accounts

It is common for many investors to buy fundsGorfHowever, if you plan to buy a fund through a stock account, you need to pay attention to the following aspects:

oneGorf. Understand the types and risks of funds

Before you buy a fund, you need to understand different types of funds, such as equity funds, bond funds, hybrid funds, etc., and their potential risks. In general, equity funds have higher risk and return potential than bond funds, while hybrid funds are somewhere in between.

two。 Pay attention to the cost of the fund

When you buy a fund, you need to pay certain fees, including sales fees, management fees, custody fees and so on. These fees will directly affect your return on investment, so before you buy, you need to read the fund manual carefully to understand the details of the various fees.

3. Consider the performance of the fund

The performance of the fund is an important factor that determines its investment value. When choosing a fund, you should look at its historical performance, including returns over different periods of time, such as nearly one year, three years, five years and so on. In addition, you can check the fund's rating, which is usually provided by a third party, which can help you better assess the fund's performance.

4. Understand the asset allocation of the fund

The asset allocation of the fund determines the characteristics of its risk and return. Some funds may invest in specific industries or markets, which means they may face higher market risk. Therefore, before you buy funds, you need to know their asset allocation to ensure that they match your investment objectives and risk tolerance.

5. Pay attention to the ability of fund managers

The ability of fund managers has an important impact on the performance of the fund. When choosing a fund, you should check the background and historical performance of fund managers to assess their capabilities. In addition, the stability of fund managers is also an important consideration, and frequent changes of fund managers may affect the performance of the fund.

6. Consider the investment plan

Fixed investment is a long-term investment strategy, through regular investment of a certain amount of funds, can reduce the impact of market fluctuations and achieve long-term wealth accumulation. If you plan to invest in a long-term fund, a plan may be a good choice.

7. Pay attention to the liquidity of the fund

The liquidity of the fund refers to how quickly you can convert the fund share into cash. Some funds may have a lock-up period during which you cannot redeem the fund share. Before you buy a fund, you need to know about its liquidity to make sure that your funds are not restricted.

Here are some comparison tables for common fund types for your reference:

In short, when buying a fund through a stock account, you need to pay attention to the type, risk, cost, performance, asset allocation, fund manager's ability, investment plan and liquidity of the fund to ensure that your investment decisions are wise.