1, partial stock mixed funds are preferred, followed by index funds.
There are different types of funds. From the perspective of fund types, hybrid funds with relatively high volatility are well-deserved first choice. First of all, the volatility of such funds is relatively high, and the returns are relatively high. However, with the increase of time, the volatility of funds can be smoothed out, so it is a good choice to hold partial stock hybrid funds for a long time.
Then there will be index funds, and the market as a whole will develop upwards. As long as you are optimistic about China's financial market, you can hold broad-based index funds for a long time.
Of course, if you know a certain industry well and are particularly optimistic about the future of this industry or theme, you can also choose to hold such an industry theme fund for a long time.
Funds such as bond funds and money funds have small fluctuations and relatively low returns, which can be used for living money management with relatively high liquidity. The effect of long-term holding is not particularly good.
2. The fund manager has rich experience and long management time.
The experience mentioned here refers to the work experience that fund managers began to have when they started to serve as fund managers.
People who have worked for a long time, especially those who have experienced the bull-bear cycle, are relatively more experienced, have experienced most market changes, have stronger resilience to emergencies and have more experience in the face of market withdrawal, so the funds they manage can be more stable.
3. The scale of the fund should not be too small.
The long-term holding of the fund is about five years, which is not short. We should try our best to ensure the stability of the fund scale, choose funds with moderate scale and try our best to avoid smaller funds, because if the fund scale is relatively small, it is easy to face the risk of liquidation, so don't touch funds with a fund size of less than 654.38 billion.
4. The long-term performance of the fund can remain stable in the medium term.
The performance of the fund is also a very important indicator. We don't need to pay too much attention to performance champions or top-ranked funds, because the risks of such funds are relatively high. What we are looking for is a fund with stable long-term performance guarantee.
Generally speaking, such funds will not be too advanced in performance, so they are unlikely to be performance champion funds. However, this kind of fund has a good performance all the year round, and generally ranks in the upper-middle position.
We can use the rate of return of each fiscal year, or near 1 year, 2 years, 3 years and 5 years as the standard for screening.