1, risk tolerance
Compared with money funds and bond funds, equity funds have higher risks and returns. Therefore, investors with higher risk tolerance can choose to buy some stock funds, while investors with lower risk tolerance can choose to buy some relatively stable bond funds and monetary funds. At the same time, when investors buy equity funds, they can choose trading opportunities according to the trend of their constituent stocks.
2. Fund expenses
At the same time, in harvest fund, the same kind of funds may be divided into Class A and Class C. The charging method of Class A is that the front end collects the subscription fee at one time, and the longer the fund is held, the lower the redemption fee is, and the holding time is more than or equal to two years. The charging method of Class A does not charge the sales service fee, while the charging method of Class C does not charge the subscription fee, and gradually charges the sales service fee year by year, and does not charge the redemption fee if it is held for more than 7 days.
Therefore, for long-term investors, you can choose Class A funds, and for short-term investors, you can choose Class C funds.