1. Fund withdrawal rate and standard deviation: Standard deviation measures the fluctuation range of total return in a certain period. The greater the standard deviation, the greater the possible fluctuation of the future net value of the fund, the lower the stability and the higher the risk. The maximum withdrawal rate refers to the maximum loss rate that may occur at any time when purchasing this fund. The higher the maximum withdrawal rate, the greater the loss. Therefore, investors should try to choose consumer index funds with smaller standard deviation and lower maximum withdrawal rate.
2. Historical performance of fund managers: The historical performance of fund managers affects the performance of funds and the trend of fund net value. Investors should try to choose fund managers with good historical performance.