It is often said that buying a fund is most suitable for lazy people to invest, and it is a good way to make a steady profit without losing money. Why have you been losing money since you arrived? That's because investment funds also pay attention to methods.

1. Is the fund you choose suitable for one-time investment, fixed investment or hot spot rotation?

Not all funds are suitable for one investment method.

If you buy a fund with large fluctuations (such as stock funds, index funds, hybrid funds, etc.). ), a fixed investment will be better than a one-time investment. After all, it is difficult for us to predict whether it is the lowest now ~!

If you buy a non-convertible pure debt fund, choose a one-time investment.

2. Is your fund a good chicken or a sick chicken?

A good saddle with a good horse, a good method must have good funds. Some funds have not improved for several years, which not only wastes money, but also wastes time, so it is very important to choose a good fund. Steps and methods of selecting funds:

The operation time is preferably more than 3 years, and it is open irregularly and can be redeemed at any time.

Look at the performance of the fund, and choose the one with stable growth and good returns in the past year.

Look at the maximum withdrawal rate of fund managers (used to describe the biggest losses that investors may face, preferably within the range of 10% debt base and 45% stock base) and the replacement frequency (don't change frequently).

Buffett has repeatedly advised investors: "Be sure to invest within your own understanding."

Sharpening a knife is not a mistake for a woodcutter. It's best to learn financial management knowledge before investing, and then invest clearly.