First, how to choose a suitable capital preservation fund?
1. Refer to the past performance of the capital preservation fund.
Generally, many fund companies issue more than one capital preservation fund. When you subscribe for a new fund, you can look at the performance of the company's existing capital preservation fund, which has a good time span. If it is a product managed by a fund manager, it can better reflect the style of the fund.
2. Select fund companies and fund managers.
Fund companies: Generally speaking, companies with relatively large assets and strong investment and research strength are preferred.
Fund manager: the capital preservation fund is generally managed by the investment fund manager with fixed expected annualized expected income. You can refer to the debt-based performance managed by the fund manager in the past. The ability to invest in bonds will largely determine the future performance of capital preservation funds, and then refer to the stock investment performance of fund companies. Equity investment will affect the excess return of future capital preservation funds.
Second, how to see if a fund is a capital preservation fund?
The simplest way to judge the capital preservation fund is to look at the name. There are two words in the name, namely the capital preservation fund. There is no capital preservation in the name, but the propaganda says that capital preservation can be reported, which is illegal for securities fund sales.
And if it is a capital preservation fund, there will be a guaranteed period. Only in the subscription period or within the subscription period specified before the start of the warranty period will you enjoy the capital preservation clause. It depends on the fund contract. Generally, there are guarantee companies to guarantee the principal. There will be a capital preservation fund in the classification of mainstream fund websites, and then we will see which fund is in the open period of the capital preservation cycle.