Fund, broadly speaking, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. Today, Bian Xiao will share with you how to choose a suitable fixed investment fund for your reference only!

How to choose a suitable fixed investment fund

If you want to make a good investment, you must also choose a good fund!

1, first, high elasticity.

The fixed investment of the fund can be "buy more at low points and buy less at high points".

Choosing a fund with high volatility can get the opportunity to accumulate cheap chips when it falls, better dilute the cost, and then pursue better long-term returns when it rises.

2. Second, it has good performance.

Only when the fund has strong strength, good performance and upward fluctuation can it make money by fixed investment.

Therefore, it is necessary to compare the performance of multiple periods and choose a fund with better performance.

For example, compare the performance of the past six months, 1 year, 3 years and 5 years, and compare the total rate of return and annualized rate of return.

Thirdly, it takes a long time.

The short-term performance of the fund may be accidental, and the real strength can only be seen after a long test.

Therefore, it is recommended to choose a fund that has been established for a long time, such as an excellent fund with 3-5 years of historical performance.

Understand the performance of the fund before buying.

(1) Buy a fund and count the stars. It makes sense to compare stars among similar products. We advise investors to choose products with four or more stars in the same category in the past three years and five years when purchasing funds.

(2) Most investors in the market will still use the rate of return to choose products. Should we pay attention to short-term returns at this time? Here, I suggest investors pay attention to long-term returns, at least at the level of more than one year's return.

Why do you think so? We all know that funds are past performance, and the source of performance may be concentrated in a certain sector or awkward stocks. However, if the fund manager does not adjust the position in time, perhaps the next market is not very favorable to the performance of this fund, and perhaps this fund will have the risk of falling next.

Therefore, from this perspective, we hope that investors will choose funds from a long-term perspective, rather than products from short-term performance.

In our opinion, we prefer the champion of long-distance running. For example, if we look at the annualized income, there are only a handful of products that can rank in the top 1/2 and top 1/3 of the same category. We think these products deserve investors' attention and tracking.

Do QDII funds need to get on the bus?

In the past month, QDII funds can be described as "happy events". Benefiting from the rise in international oil prices, QDII of crude oil performed brilliantly and continued to "dominate" Public Offering of Fund's performance list. According to the latest data, as of June 3, the highest annual return rate of crude oil theme funds has reached nearly 60%, "dominating" the whole market. Previously, the China Foundation also announced the latest scale of Public Offering of Fund, of which the latest scale of QDII has reached nearly 654.38+060 billion yuan, up more than 40% year-on-year. It is worth mentioning that on June 2, the State Administration of Foreign Exchange also released the latest QDII quota information, among which 8 fund companies received a quota expansion of 6.5 billion US dollars.

In fact, due to the scarcity of QDII quota, various institutions will try their best to apply. However, on the whole, QDII quota is less used in products in the British and American markets, and most of them will invest in China stock products. In addition, companies listed on Hong Kong stocks for the first time or the second time also need to use QDII quota to purchase because they are not on the list of Hong Kong Stock Connect.

From the performance point of view, the management scale of E Fund's Asian selected stocks as of the end of the first quarter was 3.054 billion yuan, but the performance was not outstanding. As of June 2, the income since 202 1 was -6.32%, and the income in the latest year was 20. 10%. Although it is not bad, it still lags behind E Fund's Zhang Kun blue chip selection and small and medium-sized E Fund.

Since the beginning of this year, the overall performance of QDII funds has been divided. Some crude oil and commodities QDIIs performed even better than all active equity funds investing in the domestic market. However, it will take time for QDII funds to regain their vitality, given that the Hang Seng Technology Stock Index, which is concentrated by many funds, fell sharply after the "high touch" around the Spring Festival in the Year of the Ox.

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