When we buy new funds, we should not focus on brand effectiveness and the effect of star fund managers, so we can choose the right fund by rational investment.

First of all, look at the product type. Different types of funds have different restrictions on stock positions. These restrictions directly determine the maximum fluctuation and income characteristics of the fund. It also affects the performance of the fund. Choose a product that matches you.

Looking at the performance comparison benchmark, the performance comparison fund is equivalent to the passing line of a fund's performance, from which investors can also see the fund's investment type preference. For example, Harvest's frontier innovation, the performance benchmark is "CSI 8 Index Yield *6%+ Hang Seng Index Yield *2%+ China Bond Comprehensive Wealth Index Yield *2%", indicating that the fund mainly invests in growth stocks and also invests in Hong Kong stocks.

naturally, fund managers are very important. We should focus on those who have actually managed funds for a long time, and compare their working experience, management scale, historical returns and so on.

Then there is the liquidity of funds. At present, many new funds are of holding period or fixed opening type, and their liquidity is also limited to some extent. It is necessary to know how long the liquidity period of the funds you invest is and make reasonable arrangements for funds.

Fees also need to be paid attention to. The management fee rate of most stock funds and mixed funds is basically 1.5%, while that of a few partial debt funds and index funds is lower. Some funds adopt low-rate mode, and some channels may have preferential rates, so we can compare them through multiple channels.

Then there is the risk level. Different funds have different risk levels. Investors need to choose funds that match their risk tolerance.