How to screen high-quality funds?
1.The "4334 Rule" can quickly screen out outstanding funds from thousands of fund products. 4. Select the fund with one-year performance ranking14 among similar funds and the fund with performance ranking14 among similar funds for two, three, five years and this year; 3. Select the fund with performance ranking of13 in the last six months and the fund with performance ranking of13 in the last three months.
2. Choose a fund with good long-term performance: give priority to a fund that has been established for a long time, preferably for more than 5 years. This old fund, which has been operating for a long time, can basically span a complete bull market and bear market, which is convenient for us to understand how the fund performed in various previous markets. If the historical performance of the fund in recent years 1 year, 3 years, 5 years and since its establishment is stable at the same level 1/3, it shows that the fund can face different market conditions well and may earn considerable income.
3. Choose a mature fund manager: When choosing a fund manager, we usually start from these aspects. First, it is more reliable to choose fund managers who have been in business for more than 5 years and have experienced bull and bear markets. He has been in the business for a long time and has stood the test. The second is to look at its historical performance. If there is an annualized income of more than 15% after the bull and bear market, it shows that its success is not only due to luck. Third, check the awards. For details, please refer to three domestic fund awards: China Golden Bull Award, China Jinji Gold Award and China Fund Star Fund Award. As long as the fund managers who have won these three fund awards are recognized as excellent fund managers. Online, you can find the list of winners of fund managers over the years, and some even won the above awards many times for several consecutive years.
After choosing a high-quality fund, investors can invest in the form of fixed investment, because high-quality funds will also be called back. Fixed investment can share costs and reduce risks, but fixed investment also needs to be prepared to take profits, so as to keep your income and prevent the loss of income.
Finally, remind investors that the fund is risky and investment needs to be cautious.