In terms of funds
1. Select the fund according to the target holding time.
Everyone will have their own preferred investment targets when they start investing, and different risk tolerance will also lead to differences in investment targets. For example, investors prefer to invest in equity funds, which are held for about 2 years and belong to short-term transactions. Then investors can choose from the top 100 funds according to the performance trend of funds in the past two years, and then make further choices with reference to other indicators.
2. Reference fund rating
Fund Rating The overall evaluation of funds made by third-party fund platforms is different on different platforms. The same fund may be different on different platforms, but the difference will not be too big. Basically, the fund is comprehensively evaluated according to past performance, income indicators, risk indicators and other dimensions. Among them, performance is the most important part of the ranking. Generally speaking, the previous performance is outstanding, the ranking will be high and the rating will be high. Fund rating is generally conducted once a month, and the results of last month are announced this month. The rating is generally 1 to 5 stars, including 1 year, 2 years, 3 years and 5 years. The fund rating ranks high among similar funds. For example, index funds can only be compared with similar index funds.
3, according to the set target selection
When choosing a fund, we can preset a selection goal first. For example, investors should invest in stock funds with a rating of more than 4 stars for three years, with assets of more than 654.38+000 billion and annual returns of more than 654.38+02%. After establishment, eligible funds will be screened out. Most fund platforms have this screening function, such as Tiantian Fund.
fund manager
For active funds, the performance of the fund depends largely on the management of the fund manager, so it is very important to choose a good fund manager.
1, investment experience
The longer the fund manager's management years, the richer his investment experience, and the more he can cope with various market conditions. A shares have a bull-bear cycle of about 5 years, so choose a fund manager who has managed the fund for more than 5 years.
2. Historical performance
According to the average annualized rate of return obtained by the fund manager and the average annualized rate of return exceeding the benchmark, the comprehensive profitability of the fund manager is evaluated. At the same time, consider whether the comprehensive rate of return of fund managers outperforms the market most of the time. The higher the rate of return, the better.
3. Job hopping frequency
By measuring the frequency of fund managers' job-hopping, fund managers may be fired for better development and treatment, or because of poor investment level. In any case, the average length of service should not be too low.
3. Basic information of fund managers and fund companies
Look at the profile of fund managers and understand their work experience and professionalism. There is also the strength of fund companies, and a strong and stable investment and research team is conducive to the investment operation of fund managers.
4. Investment style
See if the fund manager's investment philosophy is consistent with his own investment style. The investment style of fund managers can be judged by their industry configuration, heavy positions, positions and opinions.