The biggest difference between stock funds and hybrid funds is the different proportion of stocks.

Equity funds require stocks to account for no less than 80%.

The product proportion of hybrid funds is more flexible.

For the new fund, it is difficult to see how the performance is due to its short operation time. Therefore, it is best to choose some funds that have been in operation for a long time and the old funds that have been in operation for more than 3 years. Moreover, we should choose funds with stable growth and good returns in the past year, and avoid choosing some funds with poor performance.

In addition to the above selection criteria, what other aspects should we pay attention to when choosing a fund?

1. First, choose the appropriate type by category: if it is a fixed investment, choose index funds and mixed funds with relatively large fluctuations.

If it is a one-time investment, choose the pure debt fund in the bond fund.

2. Funds that are open from time to time and can be redeemed at any time.

3. Look at the fund manager: the maximum withdrawal rate (used to describe the biggest loss that investors may face, the debt base is within 10% and the stock base is within 45%), and the replacement frequency (do not change frequently).