Fund type
According to the different investment targets, funds are usually divided into five categories, namely stock funds, mixed funds, index funds, bond funds and money funds. According to the proportion of investment targets, there are also some partial stock funds and partial debt funds. And its risks and benefits are generally decreasing in this order.
The relative level of the fund's net worth point.
Learn to simply look at the fund net worth chart, understand the relative position of the fund, choose to buy at a relatively low level can have a greater growth advantage, and sell at a relatively high level can help us get higher returns.
Historical achievements
Historical performance reflects the historical income level of the fund and is the result of long-term limited management. Although historical performance cannot represent future earnings, it is indeed a very important criterion for us to judge a fund. Analysis of the historical performance of the fund can be compared with the historical performance of similar funds, or compared with the market and similar index funds to see whether its income level can catch up with or exceed the market; Then from the comparison of the performance of the fund itself in different historical periods, we can know whether this fund can achieve the expected results. charging standards
Knowing the fund's charging standard helps us to control the transaction cost of the fund, including subscription fee, redemption fee, management fee, custody fee, sales service fee and so on. If the fund is held for less than 7 days, it will generally charge a redemption fee of 1.5%, but the money fund does not have this restriction. The subscription fee and redemption fee are generally charged step by step according to the holding time. The longer the holding time, the lower the cost, and the cost of passive funds is cheaper than that of active funds.