2. Understand the risks of the fund and purchase the fund varieties suitable for your risk tolerance.

3. The new fund is not necessarily the best.

4. Don't just stare at open-end funds, but also pay attention to closed-end funds.

5. The number of dividends is not necessarily the best fund.

6. Carefully buy split funds.

7. Investment funds should be long-term.

1. Choosing a fund can't be greedy and cheap: many investors will choose a fund with a lower price when buying a fund, which is a wrong choice. Dacheng Fund told investors that buying a fund must look at the rate of return of the fund, not the price.

2. Understand the risk of the fund and buy the fund type suitable for your risk tolerance: Most of the funds issued now are open-end stock funds, which is the most risky fund type in the fund industry in China today. Some investors believe that the stock market is experiencing a big bull market, and many funds are issued through major banks, so there is absolutely no risk. But they don't know that the fund is just an expert in investing and managing money for you. They want to use your money to buy securities. Like any investment, there are certain risks, and this risk will never disappear completely. Dacheng Fund reminds that if you don't have enough risk-taking ability, you should buy debt-based or bond-based funds or even money market funds.

3. The new fund is not necessarily the best: in the mature foreign fund market, the newly issued fund must have its own characteristics, otherwise it will be difficult to attract investors' attention. However, many domestic investors only buy new funds, thinking that it is the cheapest to issue new funds with a face value of 1 yuan. In fact, from a realistic point of view, except for some new funds with distinctive characteristics, the old funds have more advantages than the new funds. First of all, the past performance of the old fund can be used to measure the management level of the fund manager, but there is great uncertainty in considering the performance of the new fund; Secondly, all new funds have to complete the task of opening positions within six months, and some have a shorter time to open positions. In such a short time, if you want to invest a lot of money in the limited stock market, you must buy the stocks that the old fund has already built. This is the sedan chair of the old fund; Thirdly, the new fund has to pay stamp duty and handling fee, while the old fund that has already opened a position does not have this part of the fee when waiting for the income; Finally, some shares of the old fund are locked at the issue price, and the future listing is a stable income. The research team of the old fund is generally more mature than the new fund. Therefore, Dacheng Fund suggested that the old fund should be preferred when purchasing funds.

4. Don't just stare at open-end funds, but also pay attention to closed-end funds: open-end funds and closed-end funds are two different forms of funds, and each has its own advantages in operation. Dacheng Fund told investors that open-end funds can be redeemed at any time according to their net value, but closed-end funds are much more efficient than open-end funds because there is no redemption pressure.

5. It is not necessarily the best fund that pays more dividends: some funds pay dividends as soon as the closed period is over in order to cater to investors' psychology of making money quickly. This practice is to take the money out of the investor's left pocket and put it in his right pocket, which has no practical significance. Instead of focusing on catering to investors, it is better to focus on market research and fund management. Funds managed by investment guru Buffett generally do not pay dividends. He believes that his investment ability should be higher than that of other investors, and the value-added of money in his hands is faster. Finally, Dacheng Fund suggests that investors must look at the growth rate of net worth, not the amount of dividends.

6. Carefully buy split funds: Some fund managers split the funds that have performed well for a period of time in order to meet the needs of investors to buy cheap funds, so as to unify their net values. Most of these funds are to expand their scale. Dacheng Fund tells consumers that if they want to sell some of their stocks before the fund is unified, they will buy a lot of stocks after the expansion, not to mention the handling fee for buying and selling stocks. Just rushing to buy after expansion has certain risks. In fact, the performance of funds using this marketing method is not ideal.

7. Investment funds should be long-term: to buy funds is to admit that financial experts are better than themselves, so don't speculate on funds like stocks, or even earn the difference and then redeem them. Dacheng Fund reminds investors to trust the fund manager's judgment on the market.