With the increasing popularity of the fund market, the issuance of new funds is becoming more and more frequent. Generally speaking, in a week's time, Monday is often the time when new funds are intensively issued, and more and more people pay attention to new funds, especially the funds issued by some head fund companies and star fund managers, which are often terminated early because of the large scale of funds raised during the fundraising period. When we buy new funds, we have some key points to choose, instead of blindly following the brand effect and the effect of star fund managers. Only by rational investment can we choose the fund that suits us.

1, product type selection

There are also different types of stock funds, and different types of funds have different restrictions on stock positions. These restrictions directly determine the maximum fluctuation and income characteristics of the fund. This also affects the performance of the fund.

Equity funds: The proportion of assets invested by A in stocks shall not be less than 80%, so the stock position of equity funds will always remain at a high level.

Partial stock hybrid fund: The proportion of stock positions is generally 60%-95%, which has certain adjustability and is more flexible than stock funds.

Flexible allocation of funds: the stock position is generally 0-95%, which is very flexible and certainly tests the management ability of fund managers.

2. Performance comparison benchmark

When investigating a fund, investors mostly pay attention to the absolute income level of the fund, and seldom pay attention to the performance benchmark of the fund. Performance comparison fund is equivalent to the passing line of fund performance, from which investors can also see the investment type preference of the fund.

For example, Harvest's frontier innovation, the performance benchmark is "CSI 800 Index Yield *60%+ Hang Seng Index Yield *20%+ China Bond Comprehensive Wealth Index Yield *20%", indicating that the fund mainly invests in growth stocks and also invests in Hong Kong stocks. Performance comparison benchmark is the embodiment of fund investment objectives.

3. Fund manager

Focus on the fund managers who have actually managed funds for a long time, and compare their work experience, management scale and historical income.

4. Fund holding period

With the convenience of fund managers, more and more funds are issued in the mode of regular open holding. As an investor, it is necessary to know how long the flow cycle of the funds you invest is. For example, some funds are open for two years on a regular basis, that is, they can only be opened for subscription and redemption once every two years. Therefore, it is necessary to ensure that the invested funds will not be used within two years. The types of funds held can generally be seen from the name, such as Penghua's two-year closed operation of hybrid securities investment funds.

Step 5 raise the limit

Some fund products will set a fundraising ceiling. For example, the fundraising ceiling of China-Europe responsible investment is 654.38+0 million. However, due to the performance of its previous explosive funds, the funds raised in these two days have exceeded10 billion, and the fund company may not end the fundraising period ahead of schedule and place it in proportion.

6. expenses

Although the transaction cost is not the decisive factor in our choice of funds, it is also a point that needs to be considered. The management fee of most equity funds and hybrid funds is basically 1.5%, while a few partial debt funds and index funds are lower, and some funds adopt the low fee model. The custody fee is generally 0.25%, and a few funds are lower. The subscription fee is generally below 1 10000, and the subscription amount is basically around 1.2%. Some channels may have preferential rates, and you can compare them through multiple channels.

7. Risk level

Different funds have different risk levels, so investors need to choose a fund that matches their risk tolerance.