In addition to the market risk, there is also a risk of choosing a fund that is more cheat people. If other funds go up, it will not go up, and it has been in a state of loss for a long time. So how can we make money by investing in such a fund? Therefore, we should avoid comparing funds in cheat people, so how can we avoid buying a fund?

how to avoid buying funds?

1. Don't buy a fund that ranks at the bottom for a long time

If a fund has a good historical performance and a poor performance at a certain stage, it is completely normal. When everyone goes the wrong way, the fund will also fluctuate. However, if a fund has been performing poorly, it cannot be explained by accidental mistakes. Either there is something wrong with its investment team, or there is something wrong with the design of the fund management company or products.

2. Don't buy online celebrity funds after a short-term surge

Short-term fluctuations in the market are unpredictable, and there are always sectors that rise sharply. After the short-term skyrocketing, the heat has soared, and the major platforms will recommend it on their home pages. At this time, we must be calm. Under normal circumstances, after a short-term surge, the position is already very high. People who have made a lot of money are thinking of selling chips. If there is no in-depth research to support it, it is best not to take over. You may not be able to eat meat, and you will have to break a few teeth. In particular, funds with strong cycle themes, such as steel and coal, have staged a Everest-like market these days. If you chase up and buy when the heat is extremely high, it will be difficult to return to the capital for a while. Therefore, the more short-term skyrocketing, the more "pitted". If you don't want to step on the thunder, the best strategy is not to know how to do it and stay rational.

3. Don't buy new funds issued by the bull market

When the bull market is hot, everyone wants to make money from the stock market. In order to earn management fees, fund companies will work hard to develop new funds. But when the bull market is hot, the market has risen to a very high position. The sectors that should rise have also risen. The stocks that should go up have also gone up. The funds that should go up have also gone up. Just waiting for the last leek. As soon as you bought it, the market began to plummet before you made much money. When the fund was issued before, it blew so well that everything vanished. As long as you buy, the fund company will make money. Whether you make money or not has nothing to do with him. Therefore, the bull market fund is a pit. Don't jump in when your brain is hot.

4. New fund managers should be cautious

The performance of active funds is completely decided by the fund manager. The novice who just took office is very immature in all aspects and his personal ability needs to be tested. In fact, the investment market is very cruel, and few people could have made money. There are very few talented players whose debut is the peak. Don't be a mouse, and don't do experiments with your own money. The fund will lose money, and losing money is very uncomfortable. Therefore, when choosing a fund, you must choose an experienced and outstanding "old bird". In the past two years, funds have been hot, many fund companies have issued products crazily, and novices have taken office. Everyone must cover their wallets and be more careful.

5. Don't buy funds that rise less in the bull market and fall much in the bear market

Pay attention to the performance of the fund, in addition to the long-term and short-term ups and downs of the fund, but also look at the performance in different markets. If a fund is tepid when the market is good, and its net value can't go up, but it falls much more than the same type or the broader market when it encounters market adjustment, then it can be determined as a "love rat" fund.

Choosing a fund is also a science. Investors can't choose a fund without any basis, so it is easy to find you at a loss. Therefore, investors must make a comprehensive analysis of various factors when choosing a fund, and must have the necessary fund knowledge, and use it in practice to accumulate more investment experience.