The first step is to select the top funds at all stages.

The fund ranks in the top 20 in the last 3 years, 2 years, 1 year, 6 months and 3 months. Select (All) duplicate funds. The main thing to remember here is not to choose a fund that has been very popular recently and has risen rapidly. It depends on past performance, because funds are suitable for long-term holding, not for short-term entry and short-term exit.

The second step is to give extra points to fund companies with more than two rankings.

It is impossible for a fund company to have only 1 excellent products, because the star fund manager behind it may be replaced, and the performance of this fund will be very poor, so it is necessary to pay attention to the whole team (try to choose a big fund company). Therefore, among the funds selected in the first step, the priority of the same fund company will be given priority.

The third step is to screen according to some indicators.

1, the fund is usually established for 3-5 years.

The basic principle of buying a fund is to "buy the old and not buy the new". It's simple. The longer you know how to play, the more mature you will be. It is best to buy a fund for 3-5 years.

2. The fund scale is 65.438+0-500 million.

If the scale is too small, it is easy to liquidate. If the scale is too large, at some important moments, "the ship is too big to turn around", and 200-300 million is not bad.

3. Rating

It can be seen that some professional institutions generally choose a rating of more than 3 stars.

4. Proportion of institutional investors

The proportion of investment institutions in bond funds is best controlled at 30%-50%.

The fourth step is the comprehensive evaluation of fund managers.

First of all, it depends on the return of this fund in the hands of this fund manager. Some are operated by two fund managers. It is necessary to distinguish who has a high return. Sometimes it can be seen that the return of two people is negative. One month later, 1 person resigned, and the current fund manager increased his return, so this is reliable and cannot be denied just by looking at the negative. For example, although the return was high, the manager was dumped by the former manager as soon as he took over. Secondly, depending on the manager's return to other funds, we can also see that he is good at manipulating bonds or stocks.