First choose a fund company. The overall strength of the fund company is one of the important factors in the choice. Powerful fund companies often have more than one gold medal fund, but a series of fund portfolios of different product lines. The performance rankings of the funds under the company are relatively high, and most of the time they can or exceed their preset indicators. Excellent fund management companies can not only seize short-term opportunities, but also pay more attention to the medium and long-term investment direction, providing investors with stable and sustained investment returns. We must be cautious about fund management companies whose performance fluctuates greatly.

Secondly, the choice of funds. Investors must consider whether the investment objectives of the selected fund are consistent with their own financial management objectives, the income should match the forecast, the risk can be tolerated, and the liquidity is suitable for the flow of funds. The old fund depends on the historical performance for a considerable period of time, including the total rate of return and the past risk performance evaluation; The new fund mainly depends on the fund prospectus and fund contract. In terms of cost, we all know the subscription fee and redemption fee, but investors ignore the annual operating cost of the fund. The annual operating expenses are drawn every year, and it is not a small amount over time. For example, if you invest 654.38+10,000 yuan in a fund, assuming that the average annual rate of return of the fund is 654.38+00%, if the annual operating cost is 654.38+0.5%, it will be 497.25 million yuan in 20 years; If the annual operating cost is 0.5%, it will be 608,580 yuan.

The third is the choice of fund managers. Due to the short development history of China's fund industry, people's understanding of fund culture is limited. An internationally renowned fund manager is not only an excellent broker and trader, but also the head of a financial management concept, and has grown into an economic expert through market tempering. When choosing a fund manager, investors should not judge heroes by their temporary success or failure. Like any investment, the past performance of fund managers does not guarantee their future success. The toughness of an excellent fund manager is particularly important, so it is necessary for investors to study the investment strategy of fund managers; Always pay attention to whether the fund manager's recent operation has changed and whether it is consistent; Fund managers provide customers with their own views on the market and their own investment goals. In particular, active fund managers advocate a bottom-up investment strategy, and have quite high requirements for fund managers.