Three tips to teach you how to choose the right capital-preserved fund. How to choose a suitable capital-preserved fund? At the current time when capital-preserved funds are popular, the issuance of capital-preserved funds is also very busy. The fund market is a mixed bag, and there are different categories of capital-preserved funds. It is really difficult to distinguish them.

So how can you choose a suitable capital guaranteed fund? The following editor will teach you three tricks to choose the right capital guaranteed fund: Three tips to teach you to choose the right capital guaranteed fund: 1. Choose products with relatively good historical performance. Historical performance is to test the capital guaranteed fund.

One of the important criteria for a manager’s investment and risk management capabilities.

Data show that there are 10 capital-guaranteed funds in the country that have maintained their performance rankings in the top two-thirds of similar products in the past three annual periods (2013, 2014, and from 2015 to August 5).

In addition, there are 34 capital-guaranteed funds in the country that have maintained their performance rankings in the top two-thirds of similar products in the past two annual periods (2014 and from 2015 to August 5).

2. Choose a capital-preserving fund that is more biased toward bonds in the allocation. For safety reasons, choose a capital-preserving fund with a lower proportion of equity holdings and a relatively high proportion of debt holdings and bank deposits.

The higher the proportion of stock positions, the higher the risk appetite of the capital preservation fund, and the greater the fluctuation in its net value.

3. Holding a capital-guaranteed fund on maturity "capital-guaranteed fund" does not absolutely guarantee capital preservation, but pursues "capital preservation upon maturity", that is, fund managers will consider favoring different investment styles in different time periods when managing products.

In the early stage of the capital-guaranteed fund, the fund manager mainly invests in fixed expected annualized expected return assets to accumulate safety cushion; in the mid-term, the fund manager takes into account the proportion of safety cushion and appropriately participates in equity assets to expand the expected annualized expected return;

In the later period, fund managers reduced the proportion of risky asset allocation with the purpose of preserving the fruits of victory.

Generally speaking, during the period of increasing equity investments in the medium term, the expected annualized return rate of a capital-guaranteed fund may fluctuate greatly. If investors withdraw at this time, they may suffer a loss of principal.

Since the start and end dates of capital guarantee for capital guaranteed funds vary, investors can check the fund announcements to find out.