1. It is very important to buy funds and stocks and choose a good fund management company. When choosing a fund worthy of investment, we should choose a fund management company with excellent integrity. Understand the reputation, past performance, management mechanism, background, financial resources, manpower and scale of fund management companies. In the long run, a good fund company is the most important platform to produce excellent funds. With a good company and a good mechanism, we can attract and retain outstanding investment talents and have a stable investment and research team. This is the most basic factor to steadily improve the performance of the fund. Stable and excellent teams are very important to ensure the sustainability of fund performance.

2. To judge whether the management operation of fund management companies is standardized, we can refer to the following factors: First, whether the governance structure of fund management companies is standardized and reasonable. Such as the ownership structure. If the ownership structure is unstable, it will inevitably affect the fund operation and investors' income. Second, whether the management, operation and related information disclosure of fund management companies are comprehensive, accurate and timely. Third, there is no obvious violation of laws and regulations in fund management companies.

Second, choose products.

1. When selecting fund products, the first reference indicator is the risk tolerance of investors, such as their age and family structure. People with strong risk tolerance can choose stock funds, people with medium risk tolerance can choose balanced funds or index funds, and people with poor risk tolerance should choose bond funds and monetary funds.

2. expenses. The sales expenses of the fund include subscription fee, redemption fee, management fee and custody fee. Obviously, high fees will have a significant impact on the fund's income. The price is nothing more than a decrease in your income. For stock funds, there is no reliable basis to prove that high fees can obtain high returns.

3. Fund size. Generally speaking, for equity funds, I think the scale of 654.38+500-300 million RMB is more appropriate. For example, a fund earns a profit of 65.438+0 billion, the profit of 65.438+0.5 billion is 6%, the profit of 3 billion is 3%, and the profit of 65.438+0 billion is 654.38+0%.

Third, look at performance.

The internal management, governance structure, incentive mechanism, work experience and investment experience of fund management companies will all affect the performance of funds. Evaluating the performance of the fund is not to look at the fund ranking for one month every week, but to examine it over a long period of time. Only funds that can stand the test of time are truly worth investing in.

Fourth, choose the timing.

Short-term idle funds should be purchased at random at any time. If the rhythm of the stock market rise is established, it is necessary to immediately set foot on the opportunity of the market rise, convert it into a stock fund, and properly choose the redemption opportunity in order to maximize the funds.