To choose a fund, you must first choose a company. The capital strength, shareholder strength, operation scale, investment and research system, risk control ability and commodity innovation ability of fund management companies, especially the degree of investment civilization, play a very important role in the management and operation of funds. Whether the target index is a classic index, whether it is representative and whether it can cover the changes of all shopping malls in Shanghai and Shenzhen, especially the future development of derivatives, is a concern of demand investors.

As a passive investment tool, index funds mainly examine the management and operation ability of fund managers, aiming at tracking efficiency, such as tracking error and processing rate, which is the condition for investors to choose different types of index funds. Because the index fund adopts the investment strategy of tracking index, the fund manager does not need to spend a lot of time and energy to choose the types of investment tools and trading opportunities, which reduces the fund management cost to some extent.

Choose fund products that improve the sustainability of income. The main consideration in choosing an index enhancement fund is the ability to obtain excess returns. Generally speaking, for index-enhanced funds tracking the same index, the higher the excess return, the higher the investment value, but this is not the only indicator. It is also necessary to comprehensively measure the sustainability of the fund in order to obtain excess returns. If a product is explosive in some years, but it does not perform well in some years, and the persistence of obtaining excess returns is not strong, the investor's holding experience may be poor. Because index funds make extensive diversified investments by tracking indexes, their portfolio returns are basically the same as those of the corresponding indexes.

The index fund market fluctuates greatly, and the short-term operation risk is great. Any fund has risks, so investors should think carefully when buying it. Early redemption of index funds is risky. If you want to quit early, you must sell at a low price, which can easily lead to losses.