2. How to refer to fund rating: Fund rating is the result of complex mathematical and statistical operations on fund performance. Its production process is relatively hidden, and the workload of data processing is large. Therefore, the independence, impartiality and data processing level of fund rating agencies will be investigated. Fund rating agencies generally need to meet five basic conditions: independence, impartiality, effective data maintenance and processing capabilities, strong financial strength, and efficient information dissemination and promotion channels. It should be noted that the fund rating is mainly based on historical performance, and many excellent funds are selected for us, but it is hard to say whether we can achieve excellent performance in the future. Moreover, a highly rated fund may indicate that the price of the fund is already high. If you buy again at this time, you may buy at a high point. Therefore, the fund rating can be used as a reference for us to choose funds, but it is not the only criterion. We need to have our own evaluation criteria, and make a choice according to the market situation, combined with our own risk preference and fund management.
3. What are the fund institutions?
There are many fund sales organizations. We know that fund sales institutions are investment institutions rather than selling products, such as banks, securities, third-party payment treasures, Ant Wealth, Tian Tian Fund and Haomai Fund. Let's look at the specific fund sales organization. Fund institutions include: Bank of China, Industrial and Commercial Bank of China, China Merchants Bank, etc. All banks are consignment funds, and banks are fund agencies.
1. Is there a fund that can guarantee income? Do you have a capital preservation fund?
Absolute income fund does not mean reaching a certain income. Absolute return is an investment strategy, that is, under the premise of controlling risks, try to obtain market returns. Absolute income funds in the market are mainly fixed income and secondary bond funds, absolute income strategy flexible allocation funds and quantitative hedge funds. The source of income of quantitative hedge funds mainly includes three parts: the first part is the income of fixed-income products, the second part is the new income, and the third part is the excess income obtained by selected stocks through stock index futures to hedge systemic risks. The advantage of quantitative hedging strategy lies in stripping market risk through hedging, and then obtaining pure alpha income. Funds with absolute return strategy can focus on the sharp ratio and maximum withdrawal of funds. The higher the Sharp ratio, the better, and the lower the maximum retreat.