If we take a long-term view of investment, we may find that this fluctuation is only a small twist in the process of market rise. Bian Xiao sorted out who was the fund manager before buying a fund here for your reference. I hope you can gain something from reading!

Know who the fund manager is before buying a fund.

The fund manager holds the investment power and has a very important influence on the management and performance of the whole fund. Many times, the strategy of the fund manager will change after leaving the company, which makes the performance of the whole fund unstable. There are also new fund managers whose performance will be better after leaving.

Generally speaking, fund managers are very important. How do we choose fund managers? We usually look at whether the fund manager has experienced a complete market cycle. We generally think that 3-5 years is a cycle. Fund managers who have passed the test of the complete market cycle will have more mature investment concepts and more stable investment styles and strategies.

Can I choose to increase my position when the net value of the fund falls?

Professional institutional investors, such as fund managers, admit that timing success is very difficult, especially for ordinary investors. We are all familiar with the wisdom of investment. We are afraid when others are greedy, and we are greedy when others are afraid. But in the actual investment process, we always overestimate our risk tolerance, and there is no real reverse investment. On the contrary, most investors chase up and down, resulting in investors' real rate of return is not as high as the fund claims, or even losses. Therefore, we might as well adopt a disciplined investment method and invest regularly every month. The advantage of diversifying investment time is to keep our investment cost at the average cost for a period of time and avoid buying at the highest point in the market. In the meantime, if the market falls, fixed investment will help us to increase our positions and buy more fund shares. We don't need to spend more energy on market judgment, but choose funds with excellent fundamentals to help us cross the bull-bear cycle and obtain good and stable medium and long-term returns.

Before buying a fund, you need to know the cost of the fund.

Buying a fund may not necessarily make money, but it must be paid. We need to know what the expenses of the fund are composed of, which generally includes one-time expenses and annual operating expenses. One-time expenses include subscription fees and redemption fees, and annual operating expenses refer to management fees and custody fees. Generally speaking, investors should pay more attention to the cost of bond products or fixed income funds, because the cost is corrosive to long-term investment.

To sum up, these five questions are classic when investors buy funds. I hope you can master these five methods, accumulate your own experience in continuous investment practice, and find a suitable investment method.

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