1. Fund return rate: The return rate of a fund is an important indicator to measure its long-term performance. We can pay attention to the short-term and long-term returns of the fund and compare the performance with similar funds and benchmark indexes. Past performance does not represent the future, so it is necessary to comprehensively consider the performance in different time periods.
1. Recent rate of return: understand the performance of the fund in recent months or a year, and further understand the short-term trend of the fund.
2. Long-term rate of return: examine the performance of the fund in a multi-year time span to judge the long-term performance level of the fund.
2. Risk indicators: It is very important to know the risk tolerance and risk-adjusted return of the fund. The following are some common risk indicators:
1. Volatility: measures the fluctuation range of fund prices. The higher the volatility, the higher the risk.
2. Maximum retracement: refers to the maximum decline of the fund's net value from the historical high point, and is also an indicator to measure the fund's risk. The smaller the maximum retracement, the better the risk control ability of the fund.
3. Fund fees: Fund fees are one of the costs that investors need to bear. Higher fees will have a certain impact on the return on investment, so it is necessary to pay attention to the rate level and comprehensively consider the fees and the performance of the fund. The following are some expenses to pay attention to:
1. management fee: the fee charged by the fund company for managing the fund, usually expressed as a proportion of the annual net assets of the fund.
2. Sales service fee: If the fund is purchased through a sales agent, a sales service fee may be charged.
3. Handling fees: transaction fees that may be paid when buying and selling funds.
Four. Fund size and liquidity: Fund size and liquidity are also factors to be considered.
1. Fund size: A larger fund size usually means better liquidity and lower transaction costs. Large fund management companies may have stronger investment ability and research resources.
2. Redemption restrictions and open days: Some funds may have certain restrictions when redeeming, such as having to meet a certain holding period or having a minimum redemption amount. At the same time, the fund has a specific open day and can only be bought or redeemed within the specified date.
Verb (abbreviation of verb) Performance of fund companies and fund managers: The reputation and credibility of fund companies and fund managers are also factors that need attention.
1. Fund company: Understand the background and scale of the fund company, and see if it has a stable management team, reasonable investment and research ability and good operation record.
2. Fund managers: Pay attention to the experience of fund managers and the performance of managing funds in the past. An experienced and stable fund manager can provide stable investment strategy and performance.