Generally speaking, a deep understanding of a fund generally includes three dimensions: basic assets+investment ability+risk control level.
First, the underlying assets, most importantly, are directly related to your capital security and investment income. The performance of the fund is largely determined by asset allocation. In short, before investing, you need to know which assets I invested in this fund and the composition of the portfolio. For example, to buy a hybrid fund, the first thing to do is to read the prospectus of the fund carefully. Clearly know which underlying assets the fund invests in, the proportion of stocks and the proportion of fixed income. At the same time, it is necessary to further clarify which industries and sectors the invested stocks invest in and what their respective investment strategies are. On the other hand, most fund buyers buy funds through recommendation and don't know what the fund has invested. For a simple example, you have 65438+ ten thousand yuan, and entrust others to help you invest. You should at least know whether this 6,543,800 yuan was bought with gold, jade or a pile of junk.
Second, investment ability, that is, the ability to actively manage funds, is judged solely by the past investment performance and working experience of the company or fund manager. If you have a bad reputation and average performance in the past, don't vote. Investment expectations will only leave disappointment in the end Companies and fund managers with rich performance in the past generally cherish their feathers, and the difference is not much different. Of course, you should know that any investment is risky, not profitable.
Third, the level of risk control is generally judged from the aspects of capital structure, decision-making mechanism, transaction execution and information disclosure. If it is private investment, it depends on whether the guarantee measures are strong enough. Relevant information must be carefully read and investigated. If the relevant content is unclear and the logic is wrong, you need to stay away.