How to choose the fund in Alipay?
First, I want to correct a misunderstanding. When we open the fund page, we will find many high-yield funds recommended by Alipay platform. Investors will inevitably take some actions when they see these funds, but these recommended funds are only funds with high short-term returns. Investors are likely to buy higher prices when buying, and investors are likely to be trapped. In addition, the long-term performance of these funds may not be good. After all, fund investment is a long-term process, which tests the long-term performance of the fund.
So how to choose a fund with excellent long-term performance can start from these aspects:
1. fund manager
The fund manager is the manager of the fund, and the performance of the fund depends largely on the management ability of the fund manager. Choosing a fund is actually choosing a fund manager. When investors open the details of the fund, there will be an introduction about the fund manager and the performance of the fund he manages. Fund managers try to choose those with long working life and good performance.
2. Fund size
The scale of the fund cannot be too large or too small. Too big is difficult to manage, too small is easy to liquidate. It is best to choose a medium scale (5-5 billion).
3. Historical performance
Fund performance is in the forefront of similar funds most of the time, preferably for more than 3 years.
After screening the funds, it is necessary to establish a portfolio. Funds can be invested in different types of assets or different industries to avoid the phenomenon of rising and falling together, such as the combination of stock funds and bond funds, the combination of consumer industries and technology industries. Of course, investors should establish a portfolio that conforms to their risk preferences.
After the portfolio is established, investors can start investing. Investors with weak investment ability suggest using the fixed investment function of the fund, which can share the cost and thus improve the position income. It is normal for investors to have short-term fluctuations in the fixed investment of the fund. Investors don't have to worry, stick to the fixed investment, and you will get higher returns. Of course, the fund's fixed investment is not unattended. Investors should set a profit-taking point, which can be set according to their own profit targets.