Funds are less risky than stocks, but many friends have lost money by buying funds. These friends either treat the fund as a stock, chasing up and down, or are not familiar with the relevant knowledge of fund investment. What should I pay attention to when buying a fund?

1. Historical performance of the fund

The primary purpose of buying a fund is definitely to make money, so it is very important to understand the historical performance of this fund. Although the historical performance of the fund does not represent the future performance of the fund, you have never earned it in the past. How can I believe that you will definitely make money in the future?

Look at the historical performance of the fund, you can go to Alipay, Tian Tian Fund and other third-party fund platforms to see. It is more convenient for Alipay to look at the data, and it can look at the performance trend of the fund in the past three years at most, while Tian Tian Fund is relatively professional and has more comprehensive performance data.

Whether a fund's historical performance is good or not, besides the long-term performance trend, it also needs to pay attention to its maximum withdrawal range and risk fluctuation. The lower the two data, the smaller the fluctuation of fund net value and the more stable the long-term performance.

2. Look at the fund manager

What fund to buy depends on the fund manager. Mainly active funds. General stock funds and hybrid funds are active funds, and index funds are passive funds. For active funds, the fund manager holds the investment power, and his investment style and strategy have a great influence on the performance of a fund. Therefore, investors should focus on the performance of the fund managed by the fund manager, how long it has been managed by the fund manager, and whether the fund has just changed its fund manager.

3. Look at the fund cost

We can't say whether buying a fund can make money. However, the cost of investment funds can be saved, and it is also earned. Fund investment expenses include subscription fee, redemption fee, sales service fee, fund custody fee and fund management fee. Some funds need to pay these fees, others don't, and the rules and sizes of the rates are different. When choosing a fund, you need to shop around and choose which rate is the lowest.