First, determine the investment target market. Some QDII products invest in global capital markets, while others focus on investing in a certain region. When purchasing QDII products, you should understand which markets the product mainly invests in, the general trends of these markets, and possible exchange rate trends.

Second, pay attention to the investment ratio range. Different types of QDII products have different proportions of assets invested in different financial instruments such as stocks and bonds, and different expected return levels. The upper limit of stock investment proportion of bank QDII products is 50%, while the upper limit of stock position of fund QDII products can reach 100%. Therefore, the expected return level of the products is very different, and of course the risks will also change accordingly.

Third, understand the level of investment managers. The global investment and management level of managers and overseas consultants are key factors that determine the investment returns of QDII products. When purchasing QDII products, you must select a manager with a relatively high level of overseas investment, which can be judged based on past investment performance, R&D capabilities, etc.

Fourth, understand the investment target of the product. The range of financial instruments that can be invested by different types of QDII is also different. Fund QDII has a wide investment scope, including capital market instruments such as stocks, bonds, convertible corporate bonds, depository receipts, asset-backed securities, short-term government bonds, negotiable certificates of deposit, bank acceptance bills, commercial papers, and repos. Money market instruments including agreements, financial forward contracts, stock/stock index futures, stock/stock index futures options, financial swaps, warrants, structured products and other financial derivatives.

Of course, the above are some general directions. You still have to read and learn more on your own. You can read more reports from professional teams and websites. I often read them on leading funds. I recommend you try it.