Teach you to choose a good fund

Fund strategy

Finance and investment

Misunderstanding warning

The Fund does not recommend short-term operation.

1, most people have no accurate timing ability.

2. Funds have subscription and redemption fees, and frequent operation costs are high. Maybe all your hard-earned money is used to pay 1.5%.

Redemption fee

3. Short-term operation is a great test of mentality. If the market fluctuates, not everyone can bear the ups and downs.

Other misunderstandings

Like to buy new funds: it is better to buy old ones than new ones. Compared with the new fund, the old fund has more historical data reference and lower rate.

The industry funds held are in the same industry: eggs can't be placed in the same basket, but they can't be placed in similar baskets, which can't achieve the purpose of diversifying risks.

It depends entirely on the platform's recommendation to buy funds: for sales, the platform will recommend those that have risen much recently, but this also means that the probability of overestimation is high and the probability of decline is naturally higher.

Fund investment tips

For small partners with certain investment experience, they can participate in active fund investment, but they must do a good job of research and make clear the risks. Active funds, the most important thing is to study fund managers, because they largely determine the income level of funds.

We need to study blind macro imitation from the investment style, position and historical performance of fund managers, which takes a certain amount of time, no less than stock research.

Therefore, for Xiaobai, index funds (that is, passive funds) are recommended to save time, effort and worry.