In the fund market, in addition to the conventional classification methods, from the investment experience, funds can be roughly divided into funds with little change in profits, funds with steady growth in profits, funds with rapid growth in profits, and funds with soaring profits. The last category is funds that are not suitable for novice investment and long-term fixed investment.

Funds suitable for long-term fixed investment are generally funds with stable and rapid profit growth, and funds suitable for long-term fixed investment generally meet several indicators.

First, the fund varieties with higher dividend yield have higher long-term investment value, and the dividend of index funds naturally falls back, which is equivalent to the fact that the fund itself is constantly making profits, because the net income of the fund comes from three aspects: the valuation of listed companies, the profit growth of listed companies and dividends. If a fund holds 65,438+000 stocks, the dividends will naturally fall back to the net assets of the fund after being distributed in stages, so that,

Second, the lower the cost, the better the long-term benefits. The annual management fee of passive funds is 0.5% to 0.8%, and sometimes there is a discount. The annual management fee of active funds is about 1.5%, which also faces a bear market. The principal of active funds may lose faster, because even in the case of market decline, management fees are normally charged. As far as long-term investment funds are concerned,

Third, the size of the fund is appropriately larger. Try to choose a fund with a fund size of more than 200 million yuan. If the fund is too small, it may face the risk of liquidation.

Fourth, the institutional rating should be high. General institutions refer to Morningstar, Ji 'an Jin Xin, Galaxy Securities Fund Research Center, etc. You can refer to their ratings of funds. The higher the score, the better.