The so-called stock fund refers to a fund in which more than 80% of the fund assets are invested in stocks. At present, there are bond funds and money market funds besides stock funds in China. Bond funds refer to funds in which more than 80% of the fund assets are invested in bonds. In China, the main investment targets are government bonds, financial bonds and corporate bonds. Money market funds refer to funds that only invest in money market instruments.
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First of all, we must look at investment orientation. That is to see whether the investment orientation of the fund is suitable for you, especially the products issued by new fund companies with no operating history. The different investment orientations of the fund represent the future risk and return degree of the fund, so we should choose the stock fund that suits our risk and return preference.
Second, look at the brand of the fund company. Buying a fund is a professional financial service, so the quality of the company providing the service itself is very important. At present, many domestic rating agencies will publish the fund rating results on a monthly basis. Although these results are not widely recognized, putting the rating results of several institutions together can also be used as a reference for investment.
In addition, some experts suggest that in the face of numerous stock funds in the domestic market, investors can give priority to a certain proportion of index funds and appropriately allocate some smaller stock funds with the next wave of growth potential and dividend potential.
Pay attention to risks when investing in stock funds. As the price fluctuates greatly, stock funds are high-risk investments. In addition to market risks, stock funds also have concentration risks, liquidity risks and operational risks, which investors must pay attention to when investing.
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