First of all, we need to know the types of funds. Funds are generally divided into stock type, index type, bond type, currency type and mixed type. Through Alipay's fund details page, we can see the label of fund type. If you are a financial manager, you can focus on bond funds and equity funds.

The investment targets of bond funds are mainly bonds such as treasury bonds and corporate bonds, with low risk and return, so it is no problem to outperform bank deposits. The investment target of stock funds is mainly stocks, and the fund manager will choose a package of stocks that he thinks have more investment potential.

The first step, look at the performance ranking, you can refer to the 4433 selection method, and screen out the top quarter of the fund's one-year rate of return for the same type of products, the first quarter of the fund in the past two years and three years, the first third of the fund in the past six months and the first third of the fund in the past three months. Through this step, funds with poor performance can be excluded.

The second step is to look at the working hours of the fund manager. The longer you work, the better. Generally, the bull market only happens once every four or five years. It is possible to manage a complete bull and bear market and have a deeper understanding of the market after working for more than five years.

The third step is to look at the size of the fund. It is suggested to choose a plate with a scale of 5 billion yuan-654.38+00 billion yuan. The scale is too small, such as only 50 million. The fund is likely to be liquidated, and it is not good to be too large.

The fourth step is to look at the maximum withdrawal amount. The biggest withdrawal is how much this fund has fallen over the years. If you withdraw 40% to 50% a year, the risk will be even greater, and even Xiaobai can't stand such stimulation.

The fifth step is to look at the fund position. For example, if you choose three or four funds, you must look at each fund position, avoid too much duplication, and try to spread it in various industries. On the one hand, it will spread risks, on the other hand, it will not miss some opportunities.