How to choose a fund that suits you?
1 First of all, choose the appropriate type according to the category: if it is a fixed investment, it will be better to choose index funds and mixed funds with relatively large fluctuations than one-time investment. After all, it is difficult for us to predict whether it is the lowest now ~!
If it is a one-time investment, you should choose those funds that fluctuate slightly and rise unilaterally, such as pure debt funds without convertible bonds.
2. It is best to operate for more than 3 years. If it is not open regularly, it can be redeemed at any time.
3. Look at the performance of the fund: if you choose to grow steadily in the past year, the income will be better.
4. Look at the fund manager: the maximum withdrawal rate (used to describe the biggest loss that investors may face, the debt base is within 10%, and the stock base is within 45%. Index funds follow the index regardless of the maximum withdrawal rate) and replacement frequency (do not change frequently).
Buffett has repeatedly advised investors: "Be sure to invest within your own understanding."
Sharpening a knife is not a mistake for a woodcutter. It's best to learn financial management knowledge before investing, and then invest clearly.