Which is more suitable for beginners, stock speculation, foreign exchange speculation or fund speculation? Please give a detailed answer.

1, China stock market is relatively immature, so it is not recommended that you invest in China stock market. Funds are much less risky for foreign exchange. Find a fund company to invest, the fund manager will handle it for you, and then pay dividends. Foreign exchange investment is a two-way transaction, which is influenced by external information. The margin system is too risky. I suggest you buy a fund.

2. Bring your ID card and bank card to the bank to open a fund account, and then you can buy the fund.

There are two ways to charge the fund: first, the front-end charge, which is the default, that is, the handling fee will be paid in proportion when buying every month, which increases the cost of fixed investment. If you buy at the bank counter, the handling fee is 1.5%. If you buy in online banking, the handling fee is 60-20%. If you buy on the fund company's website, the minimum handling fee is 40%. There is a redemption fee ranging from 0.25% to 0.5% at the time of redemption. There is also a back-end charge, that is, there is no handling fee when you buy it every month, but you can redeem it when it reaches the time specified by the fund company (ranging from 3 years to 10 years), and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a fund with back-end charges for fixed investment funds. Not all funds have a back end.

Second, change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, all cash will be automatically repurchased, and there is no handling fee for this part of the fund.

Third, if you have no money to make a fixed investment this month, or if the market rises very high and the fund price is very high, you can also stop investing for one or two months, which will not affect your future fixed investment, but don't stop investing for three months in a row. If the investment is stopped for three consecutive months, the fixed investment will automatically stop.

Fourth, when the stock market is in a bull market, funds also rise a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, you can appropriately increase investment and increase the fund share.

The above points have been mastered, and the fixed investment fund still has good returns! ! !

I finished answering as you asked.