No, the fund is not a capital preservation product, and the loss of principal needs to be borne by the investors themselves. The fund manager is the manager of the fund, and all the investment targets of the fund are selected by the fund manager, so the investment level of the fund manager determines the performance of the fund.

When choosing a fund manager, investors can choose according to factors such as quitting, working years, whether they get a star fund manager or not. Retreat refers to the range of the subject matter price from the highest to the lowest within a period of time. The lower the exit value of general fund managers, the better. The longer the working life of a fund manager, the better. It is best to have experience in crossing bulls and bears, and you can choose a fund manager with long working years. The main selection criteria of star fund managers are fund performance. The better the fund performance, the higher the management level of fund managers.

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How to choose a fund manager when buying a fund?

The fund's rate of return is inseparable from the fund manager. When investors buy funds, they can choose fund managers from these aspects at will:

1. View the past performance of fund managers. Although the past performance cannot represent the future income, it is higher than other fund managers, indicating that his return on investment is higher than others; And the investment philosophy is different from other fund managers; If the fund manager's past performance is good in a weak market, it shows that he is better than others in stock selection, timing and stock exchange.

2, according to experience, 5- 10 years is better. There is a saying in China that bulls and bears rotate for seven years, and fund managers who have experienced bull and bear markets are more experienced than others.

3. Check the maximum withdrawal amount of the fund manager. The maximum withdrawal can show the ability to resist risks. The maximum withdrawal within three years is preferably within 30%, and the higher the ranking of the same kind, the better.

4. Look at the number of funds managed by the fund manager. It is best not to exceed five. Because of the large number of funds managed and limited energy, it is inevitable to give consideration to both.

5. Check the investment style of the fund manager, whether it is growth investment or value investment.