It is very important to choose a good fund management company to buy funds and stocks. When choosing a fund worthy of investment, we should choose a fund management company with excellent integrity. Understand the reputation, past performance, management mechanism, background, financial resources, manpower and scale of fund management companies. In the long run, a good fund company is the most important platform to produce excellent funds. With a good company and a good mechanism, we can attract and retain outstanding investment talents and have a stable investment and research team. This is the most basic factor to steadily improve the performance of the fund. Stabilizing excellent teams is very important to ensure the sustainability of fund performance. To judge whether the management operation of fund management companies is standardized, we can refer to the following factors: First, whether the governance structure of fund management companies is standardized and reasonable. Such as the ownership structure. If the ownership structure is unstable, it will inevitably affect the fund operation and investors' income. Second, whether the management, operation and related information disclosure of fund management companies are comprehensive, accurate and timely. Third, there is no obvious violation of laws and regulations in fund management companies. When choosing products and fund products, the first reference index is the risk tolerance of investors, such as the age of investors and the stage of family structure. People with strong risk tolerance can choose stock funds, people with medium risk tolerance can choose balanced funds or index funds, and people with poor risk tolerance should choose bond funds and monetary funds. The second reference indicator is cost. The sales expenses of the fund include subscription fee, redemption fee, management fee and custody fee. Obviously, high fees will have a significant impact on the fund's income. The price is nothing more than a decrease in your income. For stock funds, there is no reliable basis to prove that high fees can obtain high returns. The third reference indicator is the size of the fund. Generally speaking, for equity funds, I think the scale of 654.38+500-300 million RMB is more appropriate. For example, a fund earns a profit of 65.438+0 billion, the profit of 65.438+0.5 billion is 6%, the profit of 3 billion is 3%, and the profit of 65.438+0 billion is 654.38+0%. Looking at the internal management of performance fund management companies, governance structure, incentive mechanism, fund manager's work experience and investment experience will all affect the performance of funds. Evaluating the performance of the fund is not to look at the fund ranking for one month every week, but to examine it over a long period of time. Only funds that can stand the test of time are truly worth investing in. It should be noted that we should not only look at the absolute income, but also pay attention to the sustainability of performance. The easiest way is to check the star rating of china galaxy Securities Open-end Fund, and the star rating and risk rating of Morningstar Open-end Fund sponsored by china securities journal. Financial management is not the pursuit of ranking. Buying a fund is the pursuit of stable and safe long-term returns, not getting rich overnight. At the right time, there is a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a falling flying knife in the air." In my opinion, the right time to invest in funds can not be ignored. When I say timing, I don't mean to ask investors to operate the fund in the same band as stock trading, but to reasonably divide the investment funds into long-term idle funds and short-term idle funds (usually idle funds for 3-6 months). Long-term idle funds, from the buying opportunity, when the stock market fluctuates is a good time to buy. At present, when the stock market fluctuates at a high level, it is more favorable to choose newly issued funds or old funds with lighter positions. Short-term idle funds should be purchased at random at any time. If the rhythm of the stock market rise is established, it is necessary to immediately set foot on the opportunity of the market rise, convert it into a stock fund, and properly choose the redemption opportunity in order to maximize the funds.

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