The fundamental of investment funds is to maximize actual returns while controlling certain risks.

So do you know how as an ordinary investor to increase fund returns?

Under the condition of controlling risks, we generally operate from two aspects: reducing costs and increasing profits.

1. Reduce costs. Friends who invest in funds know that fund management fees are very high.

Some investors who hold stocks for a short period of time sometimes use half of their profits to pay management fees, so effectively reducing management fees is a way to increase returns.

1. Understand your own investment preferences. On the one hand, it is the choice of fund type. Generally, index funds, bond funds, etc. have smaller management fees, so you can pay more attention to them. On the other hand, if your holding period is short, it is recommended that you buy C

Although the net value of this type of fund will be lower, it will not charge a subscription and redemption fee. You only need to pay a certain percentage of handling fees, which can save part of the investment cost.

2. Select funds with lower fee rates. Different fund companies and different funds have different fee rates. For example, the fund subscription fees of bank securities companies are not discounted and are very high; among similar funds, the subscription fee rates of different companies are different.

, and the longer the holding period, the lower the redemption fee.

You can choose a suitable fund based on these aspects.

2. Increase returns. Increases in returns are often accompanied by increased risks, but we can choose some methods with strong risk control, such as enhanced funds, changes in investment strategies and proportions, etc.

Ways to increase returns without basically changing the risk of the fund include: Get used to long-term investment.

The fund itself is a medium- and long-term financial management method. Investment in the same fund will generally have stronger long-term profitability and save costs.