Hello, my friend, the stock fund is in recession now, but you can invest in bond funds, which is safe on the one hand and can accumulate financial management experience on the other. Bond funds mainly invest in government bonds and bank bills. , but the income is relatively stable, higher than the fixed interest rate of 1 year.

Personally, I recommend ICBC or CCB to open a bank debit card first, because there are many outlets, but ask the lobby manager of the bank to help you open the fund management function. Fund investment is divided into two modes: one is one-time buying, that is, buying at the time of subscription and selling at the time of redemption; One is fixed monthly investment, such as investing in 200 yuan every month, that is, 2400 yuan * * * for one year, 12 months, deducting 200 yuan to buy funds every month. After 1 year, the fund will be automatically stopped from being deducted and redeemed at one time according to your decision. The significance of fixed investment is to spread risks and benefits, which is suitable for office workers. You can also open online banking and set up your own investment fund on it, which is more convenient.

Recommended reference: CCB steadily increased profits (530008). The fund not only does not charge subscription fees, but also has a low redemption rate. Hold the Fund for less than 30 days, and the redemption rate is 0.1%; If the fund is held for more than 30 days (including 30 days), the redemption fee is 0. The handling fee has advantages over other similar funds and can be considered.