Historical performance of the fund. To analyze the historical performance of a fund, we must combine the long-term performance with the short-term performance, compare the historical performance with the performance benchmark of the same period and the average level of the same kind, and select the best among the best, and the above-average funds can be included in the fund pool. If novices are not good at analyzing the historical performance of funds, they can use some tools, such as fund rating, and choose funds with a fund rating of more than 4 stars.

To understand the risk of capital, consider the risk first and then the income. Buying a fund is risky, and the risks of different types of funds vary greatly. If your risk tolerance is not high, you'd better pay attention to products with low risk level. For example, if you just want to outperform the bank's wealth management income and try not to lose money, then you can pay more attention to bond funds or funds with fixed income and strategies.

Look at the investment strategy of the fund, focusing on what the fund invests in. First of all, we look at the performance benchmark of the fund and see what the general asset allocation of the fund is like. This will help us to establish a reasonable income expectation for the fund.

Then look at what the fund bought specifically. Public Offering of Fund can invest in all kinds of assets, but each fund manager's investment style is different, and the fund's positioning is also different. Some prefer value, some prefer growth, some prefer large-cap stocks, and some prefer small-cap stocks.

Looking at the fund manager, the fund manager is the soul of a fund, especially an active fund. The fund manager holds the power and largely determines the performance of the fund. Therefore, it is necessary to look at the ability of the fund manager, which can be distinguished from the historical performance and professional experience of the fund manager.