What indicators are better for buying funds?
In fact, the answer to this question is similar, because the analysis index of the fund is fixed. For example, the maximum withdrawal amount of the fund, Sharp ratio, historical performance of the fund, Shanghai and Shenzhen 300 income curve, fund size, whether the fund has dividends, fund valuation, professional level of the fund manager or fund management team and so on. These indicators can be used to evaluate the quality of the fund. Of course, we can't do it unilaterally. That would be too one-sided. We need to consider all the indicators.
Although we can evaluate the quality of a fund through the analysis of various indicators of the fund, the analysis of these indicators is external and has the nature of * * *. In my opinion, we investors need to analyze our own indicators first.
From the inside out, this analysis of fund quality will have individual characteristics, so as to find a more suitable fund. For example, only by evaluating your risk tolerance can you know which fund type you are suitable for, because different fund types have different risks. There is also an analysis of your investment style, expected target income and idle funds, so that you can find your personality characteristics from * * * *. First analyze your own personality indicators, and then analyze the * * * indicators of the fund to find a suitable investment fund.
How to distinguish between good and bad funds?
How to distinguish the quality of a fund is mainly analyzed from the following * * * indicators:
1, maximum withdrawal amount
The maximum withdrawal of the fund refers to the range from the highest to the lowest net value of the fund in a period of time, that is, the fund fluctuates extremely badly in a period of time, which is also the biggest loss for fund investors in a period of time, so the lower the maximum withdrawal of the fund, the better.
2. Sharp ratio
Sharp ratio means that the fund can obtain excess return by taking unit risk. The higher the Sharp ratio, the higher the excess return and the better the fund performance. Generally speaking, the Sharp ratio of equity funds and hybrid funds is better than 1.
3. Historical performance of the Fund
The historical performance of the fund is also the performance since its establishment, so the higher the historical performance of the fund, the better the fund will be.
4. Shanghai and Shenzhen 300 yield curve
This indicator mainly compares the fund return rate with the Shanghai and Shenzhen 300 return curve. When the fund's return rate is greater than the Shanghai and Shenzhen 300 return rate curve, it means that the fund's investment return rate is high, on the contrary, it means that the fund's return rate is poor.
5. Fund size
Generally speaking, the larger the fund, the more stable the fund, and the smaller the fluctuation. However, we should also know that the larger the fund scale, the more difficult it is for fund managers to operate and the higher the professional requirements for fund managers.