Many people like to watch the yield to buy the base? Kim. The rate of return is the simplest and most intuitive indicator, with the most pits. Fund companies are very familiar with the psychology of the people. If you like to see the rate of return, I will print the report card.

Which stage has the highest income, which product has the highest income, and which product to sell, you can always find a product with good income to sell to you!

However, looking at the rate of return to buy funds is often a loss. Why is it sauce purple? If you know the composition behind the fund's rate of return, you know that the loss is not accidental.

Simply put, the source of income can be understood as two parts, the first is the market, and the second is the ability.

Some income comes from the market, that is, making money from market trends. If the market where the fund is located is downwind, then the fund is also making money.

For example, index funds are typical. Index funds are passive investments, which are not adulterated with human factors and completely follow the market.

For example, the liquor industry has risen well in the past year, and the liquor index fund has naturally risen, and the yield is also very good.

Can you say this is the ability of the fund? It can only be said that it has recently caught up with the hot spots in the market and is lucky.

The second step of diagnostic fund: learn to look at professional indicators.

The market and ability mentioned just now are very imaginary things, so are there any real indicators for reference? Of course there are, and there are quite a few. The following food guides think it is more useful.

1, volatility

To understand the ability of a fund, we should pay attention to the risks behind the income. From the perspective of fund risk, volatility is a good indicator. Volatility refers to the volatility of the fund's net value. Funds with high volatility have higher risks and make people's hearts beat faster.

Step 2 retreat

Looking at the fund's ability to resist risks, we can also look at the indicator of retracement. Retreat refers to the extent to which the fund falls from the highest point to the lowest point. The ability of big funds to resist risks is also poor.

3. Sharp index

Is there an indicator that can see both risks and benefits?

Yes, professional institutions often take the "Sharp Index" as an indicator, and comprehensively consider the benefits and risks, so it can be calculated that the fund can create some benefits while taking some risks. The higher the Sharp index, the better the performance of this fund.

But to be honest, the Sharp Index and the maximum retracement can't be found on the general website, and there must be a professional institution to do the database.

Data have to be bought, and it is difficult for ordinary citizens to get these data to judge the quality of the fund.