Choose the fund type and risk type suitable for your risk tolerance.
If you are a conservative or cautious investor, it is not recommended to buy hybrid funds and equity funds. Because the risk levels of hybrid funds and equity funds are medium risk and above, they are suitable for investors of stable and above types.
Second, look at the asset size (in the fund file).
Generally, you should choose a fund with a moderate scale, and it is best to choose a fund with a scale of 2 billion to 654.38+0 billion (many people suggested that it should be 2 billion to 3 billion in the past, but now the financial development is very fast and the scale is very large, with a scale of tens of billions).
If the scale of the fund is too large, the operation of the fund needs to be considered in many aspects, and it is inflexible, with low returns, but relatively safe. But it is small in scale, flexible, risky and profitable. Generally, the choice is moderate and flexible, and there will be no loss due to excessive running.
Third, look at the rating (there used to be, but now I can't find it).
Alipay used to have a professional investment company to rate the fund, but now it can't be found. You can look at it through other platforms, which are generally available. Of course, the more stars, the higher the rating, and the better the fund.
Fourth, look at the three-year performance trend (below risk).
Alipay provides a performance trend of up to three years, and some platforms provide a performance trend of five years.
According to the performance trend, we mainly pay attention to two points: when the market falls sharply (the fund looks at the blue-chip stocks on the Shanghai Stock Exchange and the small and medium-sized board, the same below), what is the maximum withdrawal of the fund, and then compare it with the market, the smaller the ratio, the better; When the market rises, what is the biggest increase of the fund, and then compare with the market, the bigger the ratio, the better.
Fifth, look at the performance of fund managers (fund manager column).
Look at the rate of return of fund managers over the years, and then compare it with the trend of the broader market at that time. The better you do, the better.
Sixth, look at the position (in the fund file).
Analyze the future trend of the fund heavy market, for example, if you are not optimistic about the future development of the power industry, then don't choose the fund with heavy power. If you are optimistic about taking medicine and drinking, then you should pay attention to whether the fund is in the field of heavy consumption.
In short, we should screen a fund from these six aspects. But data is always data, not the future. We can only avoid risks through data, but we can't avoid risks.