How can I choose a high-quality fund?
Before that, I need to popularize several blind spots of buying funds with you to avoid losses.
What is the fund recommended by Alipay homepage? Can I buy it?
# Fund Income # As can be seen from the above figure, Alipay recommended some funds with good returns in the past 1-3 years.
And the recommendation time is generally on the rise.
These funds are selected funds with good recent returns to attract investment.
Generally, when the fund rises to a certain stage, it will be called back.
If we buy these recommendation funds directly,
Just bought at a high level, there is a high probability that there will be losses;
At this time, there will be a lot of investment.
Therefore, we only need to look at such a fund, and we must not blindly buy it without understanding it;
2. Fund classification
Funds are generally divided into four categories: money funds, debt funds, hybrid funds and stock funds;
Money Fund: Invest in capital-guaranteed products such as bank deposits or bonds, which can be accessed at any time, and the interest is higher than that of banks. Low risk, basically won't lose money, the same income will not be very high. The basic annual rate of return is about 2% ~ 3%, which is suitable for people who are not allowed to make certain losses.
Debt fund: the main investment is debt, and the annualized income is about 6% ~ 8%. The income and risk are higher than that of the money fund, but it can't win inflation in the long run, so I want to make money and continue to look down;
Equity fund: also known as index fund, which invests more than 80% in stocks, with high potential returns and high risks. Equity funds are suitable for people with certain financial knowledge to invest, remember not to invest if you don't understand;
Hybrid fund: invest in stocks, bonds and money funds at the same time, of which bonds account for more than 80%. The potential income of hybrid funds is higher than that of currencies and currencies, and the risks are also high. Be sure to know them before buying.
Understand the fund, how can we choose a good fund?
We went to Alipay to randomly select a fund to explain (not as an investment reference);
Open Alipay and find the fund ranking:
In my ranking, I randomly choose a fund to explain:
By clicking on this fund, we can know from its name that it is a mixed medium-risk fund with an annual income growth of 100%. Keep looking down:
As can be seen from the fund files, the fund scale is 469 million (it is best not to buy funds below 200 million, which is easy to be delisted), and it has only been established for a little over a year (it is best not to buy funds below three years, which is too short to evaluate long-term benefits. The longer the fund time, the better).
Look at the fund manager (whether the fund makes money or not has this important relationship with the quality of the fund manager, so be sure to look at the fund manager's file carefully);
First of all, look at the income of other funds managed by this fund manager. If most of them are losses, don't consider them. As can be seen from the bottom, the stock managed by the fund manager is in a state of making money, which is not bad;
Looking at the management time, the management time needs at least three years, which means the continuous income is good. Look at the management time of this fund manager, basically within one year;
Looking at the stocks held by this fund, the positions are selected by some well-known large enterprises or industries supported by the state, indicating that the probability of rising is still very high. If you see some unheard-of stocks, you should pay attention.
If the above content is helpful to you, remember to praise it and pay attention to it. It only provides a way to select funds at school, and you need to learn the actual operation in the process of actually buying funds; There are risks in entering the market, so investment needs to be cautious.