I. Fund types
There are stock funds, bond funds, money market funds, hybrid funds, QDII funds and other types, each of which has its own advantages and disadvantages and risk characteristics. For investors with high risk tolerance, you can choose stocks and hybrid funds; Investors with low risk appetite can choose money markets and bond funds. Investors can choose the appropriate fund type according to their risk tolerance and financial objectives.
Secondly, the size of the fund.
The fund company and fund scale may directly affect the quality and operational efficiency of the fund. Larger fund companies can take advantage of scale to reduce fund operating costs and improve fund management efficiency. However, when the scale of the fund is small, the investment direction of the fund is relatively concentrated, which is easy to be arbitrage by institutions. Therefore, when choosing a fixed investment fund, we should choose a large-scale and stable fund company.
Third, the fund manager.
Fund manager is one of the key factors affecting fund performance. A good fund manager can seize the opportunity in time according to market insight, optimize the investment portfolio and achieve excellent income performance. However, a good fund manager may leave at any time, and the income of well-known fund managers is too high. Habitual excessive trading will have a negative impact on the fund. Therefore, when choosing a fixed investment fund, you need to choose a fund manager with stable performance and rich management experience.
Fourth, the cost level.
The rate of each fund is different. High interest rate funds mean higher costs for investors. In addition to management fees and sales fees, we should also pay attention to whether there are other hidden costs. When choosing a fixed investment fund, investors need to have a deep understanding of the fund rate to reduce their financial management costs.
Verb (abbreviation for verb) Returns and risks in the past year, three years, five years and ten years.
Investors also need to consider the historical performance of the fund. Before making, investors should first understand the historical benefits and risks of the fund, and give consideration to both short-term benefits and long-term performance. At the same time, it depends on the varieties held by the fund's heavy positions and their fluctuation range to judge whether it is in line with its own investment strategy.
To sum up, when choosing a fixed investment fund, investors should consider it comprehensively from multiple angles and choose a fixed investment fund that suits them.