Are stock and judgment funds stable funds?
As for the fund manager, he has more than five years of management experience in active stock funds or hybrid funds. Historically, the market will basically experience a complete bull and bear market within five years, and fund managers who have crossed the bull and bear market are also experienced fund managers. At the same time, the fund manager has worked in the fund company for at least five years and cannot change jobs frequently, which can fully reflect the stability of the fund manager.
In terms of fund performance, the performance in the same period has not followed up or exceeded the Shanghai and Shenzhen 300 for many times, and the annual performance ranking can be in the upper middle part of the same level. Most stable funds will not rank very high in performance, but they can maintain long-term stable and good performance.
In the investment direction, the unbalanced funds with concentrated positions in a certain segment are excluded, and QDII funds and Hong Kong stock funds are excluded.
In terms of fund size, funds with a total size less than 1 100 million yuan need not be considered. The scale of the fund is too small, so it is easy to face the risk of liquidation and it is difficult to maintain stability.
To sum up, stable funds are suitable for investors with average risk tolerance. Even if the fund loses money, it will not lose a lot, and the risk coefficient is relatively small, but the income will be relatively low. Usually, the benefits are directly proportional to the risks. Although fund investment is not as risky as stock investment, its risk can not be ignored. For example, equity funds, although they will not lose all their money, can also lose money to an unacceptable degree for stable investors.