(1) In order to obtain higher returns, stock funds and hybrid funds with large fluctuations are generally selected. Bond funds and money funds are not suitable for fixed investment. Beginners can choose mainland funds first, and with rich investment experience, they are expanding to funds in Hong Kong, the United States and other markets. When choosing stock funds, we should further choose whether they are active funds or passive funds. Generally speaking, for beginners, theme funds and graded funds should not be chosen. These two types of funds have high requirements for investors and high risks. If it is difficult to choose active funds, you can choose index funds to start investing first. For example, index funds such as Shanghai and Shenzhen 300 Index and CSI 500 Index.
(2) Choose a fund with good medium and long-term performance. After choosing a good fund type, start to screen funds and choose funds with good performance. When choosing, look at long-term performance first, then look at medium-term performance and short-term performance. Generally, long-term, medium-term and short-term funds are selected at least in the first quarter or the first half of the year. When choosing a fund, you can refer to Morningstar evaluation, and generally choose four-star and five-star funds. According to the classification standard of China Securities Regulatory Commission, more than 60% of fund assets are invested in stocks. Hybrid funds mainly invest in stocks, bonds and money market instruments, but the lower limit of stock investment ratio and bond investment ratio does not meet the basic requirements of stock funds and bond funds. The asset allocation ratio of stock investment and bond investment can be changed more flexibly according to the market situation, and the investment strategy of advance and retreat can be realized. The risk-return level of hybrid funds is generally lower than that of equity funds. Hybrid funds can be further subdivided into partial stocks (mainly investing in stocks) and partial debts (mainly investing in bonds). After the 20 15 stock market crash, many stock funds have been changed into hybrid funds, mainly because when the stock market plummeted, the shareholding ratio of funds can be reduced to reduce risks. Therefore, many hybrid funds are partial stocks. In order to prevent the risk of stock funds, we can choose hybrid funds. And at present, most equity funds are hybrid funds. At present, there are about 300 equity funds and about 2500 hybrid funds.