First of all, make it clear that if you don't know how to choose a fund, then the simplest and direct solution is to invest in an index fund with a Shanghai Composite Index below 3000 points.

Whether active or passive, I like to choose funds that have been established for a long time and have excellent long-term performance, so that most of them can be excluded; Of course, there are some other indicators.

Funds are divided into active and passive types, and passive types are mainly ordinary index funds; Active types are divided into stock funds and bond funds; Monetary funds mainly look at scale and rate. The bigger the scale, the better, and the lower the yield, the better.

I. Index funds

I judge that the indicators of index funds are very simple, that is, long-term performance, compilation rules, scale, establishment time, valuation, tracking error and rate.

Long-term performance: Long-term performance is easy to judge. For more than five years, the benchmark index has been the Shanghai and Shenzhen 300. The more you win, the more interesting it is, but it is necessary to analyze whether it is accidental or long-term Excellence.

Compilation rules: Index funds are stock portfolios selected according to certain sampling methods and different weights. Of course, the higher the proportion of quality companies, the better. I like funds with a high proportion of high-quality companies in the top ten stocks. Although this means greater fluctuations, the long-term returns will be higher.

Scale: In theory, the bigger the scale, the better, and the lower the sharing cost;

Time of establishment: track the time of establishment of the index, the longer the fund is established, the better, and the performance of the fund that has experienced two rounds of bull-bear test is more trustworthy;

Valuation: the indexes tracked by index funds generally have historical valuations, and the approximate water level can be judged by referring to the percentile, but it is more important to choose high-quality indexes than valuation;

Tracking error: the less the better, the essence of index fund is to obtain the income close to the index;

Rate: naturally, the lower the better; But I won't just look at the rate. In fact, a quality fund will still outperform other funds after deducting the rate.

I will comprehensively consider the above factors, because I generally hold this idea for a long time, and the approximate judgment order can be: long-term performance >; Compilation rules > establishment time > scale > valuation > tracking error >; Rate.

Hope to adopt. Good luck.