Evaluating funds is a complicated project. Although Morningstar, Lipper and other fund rating agencies, the highest evaluation result is five stars, and the lowest is one star. By observing the star rating of the fund, we can master the initial judgment of the fund.
But for financial planners, simple rating information is not enough to help customers make correct redemption suggestions.
Fund rating is based on past performance, so it can only reflect the past performance of the fund, but can not guarantee future profits. If you want to know more about the fund, you still have to pay some energy to inspect the fund in all aspects.
How to quickly dismantle a fund from six dimensions? Next, I will introduce the comprehensive evaluation system of BETA to the fund: Six Pulse Excalibur.
Pulse 1: Look at the comprehensive score of fund products. The rating of the fund will generally be divided into 5 to 6 grades, which is not detailed enough. Therefore, we will use the score of 100% to "feel the pulse" of customers' assets, and we can know all the performances of their fund products at once.
Fund score ≥85 (excellent)
80≤ Fund score ≤85 (not bad)
70≤ Fund score ≤80 (good)
Fund score ≤70 (average)
Financial planners can communicate with customers through diagnostic services such as funds, and it is easy to form a habit.
Pulse 2: Look at the historical performance of fund products. When we invest in a stock, we usually look at its past performance and compare it with similar products in the market, so that we can make a choice for our customers.
Pulse 3: look at the fund manager of fund products. The fund manager is the person who helps us (investors) manage our money, and the legendary "trader". If performance represents the past, then the manager's evaluation represents the "future".
Pulse 4: Look at the company status of fund products. When a customer buys a company's fund, he gives the money to the company for management. As a financial planner, you need to objectively help customers diagnose the comprehensive strength of the company.
Pulse 5: Look at the risk fluctuation of fund products. Risk and return are relatively equal, but we should not only look at the fund's earning ability, but also look at the fund's risk value. When diagnosing and introducing products for customers, the risk part mainly depends on whether the comparison between funds and similar funds is lower than the risk of similar products.
Pulse 6: Look at the theme style of fund products. Finally, you can help customers see the investment direction of the fund (that is, the asset allocation portfolio), because the investment direction determines the "style and theme" of the fund.
The next time a customer asks you to stop at the gate of your business outlet, five minutes later, you will be told that another bank has bought a fund. At this time, you only need to calmly enter the fund code in the internal financial planner APP. When the customer sits in front of you, I believe you already know this fund clearly.
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