Choose a fund, what kind of fund is a good fund, whether you simply look at the risk or the rate of return, the high rate of return is of course what everyone expects, but you have to look at its structural problems, how risky it is, and which company it is operated by.

Generally speaking, funds have their own structures, including money funds and bond funds. Generally speaking, part of the structure of money funds is bank wealth management products, which are relatively stable and will not cause losses, but its yield is also limited, basically 3%~5%. Then if it is some bond funds or hybrid funds, its yield will be much higher, but what we can buy is basically 3%.

From the structural composition of fund purchase, we can see the composition of fund. The name of this composition can be found on the Internet. For example, 40% currency and 60% bonds, so the risk is moderate. You can find out which company issued this bond, what the main business situation is now, the problems shown in the company's balance sheet, income statement and financial annual report, and the opinions given by certified public accountants. These are all important references.

In fact, there is not much room for individual investment funds to make money. If we pursue steady investment in some bank wealth management products, 3%~4% is not a big problem. If you have a lot of money, you can try to participate in the interest of some private equity funds, or the yield will be much higher, but the risk will be much higher. Pay attention to the ability to screen channels and operators. This is another question. Generally speaking, whether a fund has potential depends on its structure. If the structure is stable, it has no potential. If the structure is risky, it has potential, because risk means high returns.