First of all, let's talk about the basic knowledge of funds.
What is a fund? You must have heard the saying: Don't put your eggs in one basket. We compare eggs to investment targets, and funds are equivalent to baskets full of eggs. There are also different kinds of eggs here. According to the different investment objects, we can divide them into stock funds, bond funds, index funds and hybrid funds.
Then many people asked me, er, which fund is more reliable, and how should I choose? Here I teach you a way to choose a fund.
How to choose a fund? I usually choose stock funds and hybrid funds, because for me, I also have some research on the stock market, and I can bear greater risks, and higher risks will bring higher returns. At this time, you can choose your own fund type through your own risk tolerance. The following are the types of funds corresponding to different risks.
Risk-free money funds, wealth management funds and bond funds
Low-risk bond fund
Medium risk balance fund
Medium and high risk hybrid equity fund
We completed the first step by choosing different types of funds through different risks.
The next step is to knock on the blackboard.
What many people don't know is that an excellent fund manager can always bring you some surprises. Then what do we think of the fund manager of this fund? Next, I will use Alipay's page to demonstrate.
Taking Nuoan as an example, we can see a product file, a fund file (which will be discussed later) and a fund manager. Click in to see the fund manager's management of fund products intuitively.
The second key point is to pay attention to the investment concept and investment distribution of the fund, that is, the industry in which the fund invests, and specifically analyze whether the fund conforms to the current market. Where can I find this information? It is the fund file we mentioned above. Let's take Noah as an example to illustrate.
Although he is at the top of the fund performance list, the children who still hold this fund these two days are crying. Why is this? Some people say it has something to do with the stock market correction in the past two days. Although it is really related to the stock market correction in the past two days, let's use my method to analyze it more deeply. First of all, it takes stocks as the main investment object, and then the stocks he heavily invests in belong to manufacturing and technology stocks, and the technology industry happens to be the leading industry in these two days. The reason for the big loss is clear at a glance. Knowing this, my mother no longer has to worry about my fund.
To sum up, before buying a fund, we should first understand the basic situation of the fund, instead of just listening to some relatives and friends, and Weibo V blindly followed suit. A better way is to pay attention to the trend of some big markets and the analysis of professionals. Learn to analyze and judge by yourself, so you will step on the thunder less. Let everyone really learn how to manage money.
There will be more articles about stocks and funds in the future. Remember to pay attention to me, or you can trust me at any time.