How to choose a fund (1) Choose a fund company: Give your hard-earned money to a fund company to invest and manage your finances on your behalf. Of course, you must first carefully choose a trustworthy fund company.

Whether the management of a fund management company is standardized or not and the level of management are directly related to whether the assets entrusted to be managed by fund holders can maintain and increase in value.

Therefore, choosing a suitable fund management company is the primary issue that investors should consider when investing in funds.

Currently, there are 67 fund companies established in China. Which one is the most trustworthy?

"First of all, standardized management and operation are the basic elements that fund management companies must have and are the basic guarantee for the safety of fund assets. To judge whether a fund management company's management and operation is standardized, you can refer to the following factors: First, the fund management company's

Whether the governance structure is standardized and reasonable, including the degree of dispersion of the ownership structure, the establishment and status of independent directors, etc. The second is whether the fund management company's disclosure of management, operation and related information of its funds is comprehensive, accurate and timely.

Whether the company has any obvious violations of laws or regulations. Secondly, the operating performance of the fund management company over the years is an important reference factor for investors. The management level of the fund management company can be reflected by the growth of the net value of its funds and the dividends paid over the years.

Depending on when a fund is established, its cumulative net value growth will inevitably vary. Investors can use the fund's net value growth within a specific period as a basis for judgment. Third, the market image of the fund management company and the quality and level of its services to investors.

It is also a factor that investors consider when choosing a fund management company. They should also consider factors such as related fees, convenience of subscription and redemption, and the service quality of the fund management company. They can also evaluate the fund management company from the following aspects.

Investigation. 1. The strength and attention of the company's shareholders are an important basis for the continuous development of the fund company. Shareholders with strong financial background can provide the fund company with a better and stable operation and development platform.

The investment research team is the guarantee for the fund company to obtain good investment performance. It depends on whether the fund company has a rich product line; it depends on whether the investment research team has experienced the complete test of the bull market. 3. Pay attention to the sustainability of the fund's performance.

The short-term performance of a certain product of the company must also comprehensively examine the performance of other funds managed by the company. The "excellence" of one fund does not prove the strength of the company. Only companies with excellent overall performance of their funds are more trustworthy. However,

After all, what we buy is a fund, not the reputation of the fund company. We choose a company so that the fund we buy can make more money than buying funds from other companies. Therefore, choosing a fund company is actually to choose a fund with excellent performance.

Therefore, we should not put too much emphasis on the choice of fund companies and waste too much energy on going back and forth in indecision. According to the opinions of most Christians, the currently favored fund companies include ChinaAMC, E Fund, Harvest, Boshi, Yinhua, Southern, and Cathay Pacific.

Wait. But we must also observe the dynamics of fund companies. It cannot be said that companies established earlier and with larger assets under management are necessarily better than gold companies established later. For example, Huashang Gold Company was established on 2005-12-20 and its assets under management are not large.

, but in 2010 its "Huashang Shengshi Growth" fund won the first place among all funds. Baoying Fund Company was established in 2001-05-18, and its overall performance in 2010 was poor. (2) Choice.

Ren Tong, a fund industry researcher at the United Securities Research Institute, chief fund analyst and fund expert at Fund Trading Network, said, “Although history does not simply repeat itself, and although past performance does not necessarily reflect the future, historical performance is always the basis for us to screen funds.

Point of departure.

Just like the test scores that have been criticized many times, although they are somewhat irrational, they are still one of the main criteria for differentiation.

The past performance of the fund is the report card of the fund. We first start here to determine the investment value of the fund.

Fund performance can be divided into absolute performance and relative performance.

The so-called absolute performance is to see whether the fund has brought investors a return greater than zero, that is, whether the fund has made real money for investors.

The so-called relative performance refers to whether the fund's return exceeds a certain standard compared with that standard.

The standard used for comparison can be the performance of the underlying market, or it can be all comparable funds of the same type. Absolute performance is used to measure the fund, or relative performance is used to measure the fund. There is no absolute advantage or disadvantage. These two methods are applicable to

Different types of investors.

If we divide all investors into five types: conservative, defensive, stable, growth and active, then conservative and defensive investors will be very concerned about whether fund investment can bring them positive returns, because

Negative returns are intolerable to them.

Since the latter three types of investors occupy a major position in my country, relative performance can be used as the main basis for fund evaluation.

When examining fund performance, most experts and Christians believe that the main focus should be on its long-term performance.

For example, two years, three years, five years, since establishment, etc.

This view has been questioned and opposed by other investors.

Because fund performance is constantly changing, "past performance does not represent the future."