Whether buying RRSP, RESP or personal financial investment, many people in China say that people treat fund products as if they are looking at flowers in the fog. So where should I start to choose a fund? Well-known Wall Street financial experts said: "Choosing a fund must first understand its personality, which can be seen from the name of the fund. For example, funds with the word' growth' often indicate the process of pursuing rapid growth, while the word' blue chip' indicates that they follow value-based investment, and such funds often have strong resilience when the market fluctuates. In addition, due to different types of funds, the stock allocation of fund managers is also different. Under normal circumstances, funds will also rise in turn like the rotation of sectors in stocks. Therefore, it is best for the citizens to combine their own investment styles for portfolio investment, control the investment proportion of active funds, and then try to choose well-known fund companies with large scale and excellent quality. After all, these established companies are mature in management and operation. "

Five reference indicators for selecting high-return funds;

Grow up. If a fund maintains the top 25% of similar funds within three years, it is generally considered as a good fund.

Stable. The evaluation index is mainly 1) standard deviation, which represents the stability of fund performance in the past period. The lower the standard deviation figure, the higher the stability of fund performance and the more trustworthy it is. 2) An index indicating the fluctuation of fund performance. If the value is greater than 1, the fund risk is greater than the overall market risk, otherwise it is less than the overall market risk; 3) Sharp index, which represents the excess return brought by unit risk. If the Sharp index is zero, the income from each risk of the fund is the same as that from bank time deposits; if the Sharp index is greater than zero, the income is better than that from bank time deposits.

Liquidity If the daily trading volume of the stocks invested by the fund is very active and stable, it means that the liquidity of the fund is good.

Turnover rate Because the transaction cost of the fund is extracted from the net value of the fund, the higher the turnover rate, the higher the transaction cost.

Profitability of investment objectives. Generally speaking, if the main business of the stocks held by the fund is outstanding, the governance structure is stable, the company grows well, the net value of the fund is relatively stable and the investment value is high.

The grand strategy locks in the profit of fund investment;

First, shake the market and carefully choose dividends for reinvestment. In the turbulent market environment, the net value of the fund will fall with the decline of the securities market. At this time, dividend reinvestment will make investors suffer from the shrinkage of fund assets due to excessive positions. Therefore, it is very important to pay dividends in cash and keep some assets for later use.

Second, the expected goal and investment income can be profitable. Different investors have different personality characteristics and show different income preferences in fund investment. In particular, investors of different ages will have different investment plans and goals. For radical investors, if they choose partial stock funds and have achieved their goals within a certain period of time, they can choose to redeem them temporarily. After the future investment income is expected to be revised, a new target plan will be formulated and new subscriptions will be made.

Third, the choice of capital preservation fund will make the realization of investors' income more stable and the management of funds more secure. Capital preservation funds mainly make investors' funds safer by introducing certain guarantee mechanisms. Because the portfolio arrangement of the capital preservation fund is divided into capital preservation assets and value-added assets, it also determines that investors can make more and better use of the capital preservation mechanism to lock in the principal and realize the income.

Fourth, adopt the regular quota method to reduce the timing risk and lock in the investment income of the fund. Although in the case of choosing a good opportunity, one-time investment can bring better investment income to investors. However, the securities market is unpredictable and the market is changing rapidly. In particular, there is great uncertainty about the ability of fund managers to manage and operate funds. In other words, it determines the difficulty for investors to choose low-cost funds. Therefore, in order to better invest in fund products, investors can downplay their concern about the short-term investment income of the fund, and lock in the investment income by lengthening the investment cycle and ironing out the fluctuation of the net value of the fund.

Fifth, it is also a good way to lock in short-term profits by observing and understanding the price changes of listed trading funds in the secondary market and participating in arbitrage appropriately. For investors who are used to short-term band operation, they can make use of market fluctuations and changes in the relationship between supply and demand of funds to invest in closed-end funds, publicly traded ETFs, LOF and other funds, and grasp the investment characteristics and laws of publicly traded funds to lock in short-term investment income.

In short, the fund is a collective investment model of "return * * * risk * * *", which is much safer than stock investment. However, any investment product has risks, and the fund also has ups and downs, which may bring higher returns and loss of principal. Only when we have a correct understanding of the risks of funds can we help to form a correct investment mentality and choose the right investment method. Under the background of the gradual expansion of the fund family in North America, how can we know the real "foundation"? How can we calculate the net value of the fund more accurately? Victoria will help you, and Bob's famous "fund investment training class" will solve all the obstacles to your fund investment!