Both funds and stocks are investments, but they are different. Short-term stock operators are mostly short-term, while funds are more suitable for long-term holding. Choosing a good fund to hold for a long time can get good returns, but most investors don't know how to choose.

How to choose a long-term fund?

1, depending on the establishment time of the fund, it is generally not recommended to buy a new fund, because there are many uncertainties, and it is safer to choose a fund with a long establishment time to hold it for a long time.

2. Look at the fund manager. A good fund manager can control the fund you hold, make it move forward smoothly and lead investors to go further.

3. Looking at the historical performance of funds, we should choose those funds that have clear style preferences and always run well in a specific market environment, that is, "individual champions".

4. Look at your own investment style. Investors who pursue stability can buy money funds and bond funds, while investors who pursue higher returns can buy stock funds, but the corresponding risks are greater than the first two.

Monetary funds, bond funds, hybrid funds and stock funds have relatively low yields and are suitable for short-term holding; The yield of hybrid funds is about 10%, which is in the middle level and the risk is higher than the first two, so it is suitable for medium and long-term holding. Equity funds, also known as index funds, are welcomed by many investors because of their high rate of return and controllable risks, and are suitable for long-term holding.