1, capital return rate
The fund withdrawal rate refers to the degree to which the net value of the fund falls from the highest position to the lowest position within a period of time. Generally speaking, the greater the capital withdrawal rate, the greater the capital fluctuation and instability, and the smaller the capital withdrawal rate, the smaller the capital fluctuation and stability.
2. Historical performance of fund managers
The historical performance of fund managers reflects the investment level of fund managers to a certain extent and affects the trend of fund net value. Investors try to choose funds with good historical performance to invest.
3. Fund investment objectives.
The trend of fund investment target will also affect the trend of fund net value and investors' expectation of future income. Investors should choose those funds whose fund targets are on the rise and have great development potential and prospects.
4. The establishment time and rating of the fund.
The shorter the fund is established, the lower the rating and the higher the risk. Investors should choose funds that have been traded for a long time and have been established for at least 1 year and have a high rating.
5. Funds that meet their investment preferences
When choosing funds, novices should choose those funds that suit their investment preferences, not those that are beyond their risk tolerance. Generally speaking, for more stable investors, you can choose medium and low-risk funds, and for more radical investors, you can choose medium and high-risk funds.
6. Standard deviation
The standard deviation measures the fluctuation range of the total rate of return in a certain period. The greater the standard deviation, the greater the possible fluctuation of the future net value of the fund, the smaller the stability and the higher the risk.
In addition, novices can also choose funds according to market conditions, that is, in the bear market stage, they should try to choose bond funds and monetary funds to avoid risks, and in the bull market stage, investors should try to choose stock funds to obtain greater expected returns.