Don't be blinded by fund performance.
As ordinary investors, when choosing to buy a fund, they are most concerned about its "performance". It is precisely because of this psychology of investors that many institutions usually put performance in a crucial position when marketing funds, and there are some tricks in it.
Just open a Public Offering of Fund official website or a third-party fund sales website and you will find something fishy. The performance statistical cycle of many funds is usually divided into the following categories: last March, last half year, last 1 year, since its establishment, and so on. Then the question comes, why do some funds obviously set up for several years, but only choose the yield of nearly three months as the marketing selling point? And some funds have not been in operation for a long time, but they have to declare that "the expected rate of return since its establishment is as high as XX%"?
If you think about it carefully, you will understand that this is a typical case of reporting good news without reporting worries, and only cutting off the good part and telling investors, so that investors will have the impression that such funds only make a profit. Although the Measures for the Administration of Sales of Securities Investment Funds have detailed provisions on the authenticity of fund publicity and promotion materials, misleading sales, and the publication of past performance, they do not clearly stipulate the punishment for violating the provisions. This has caused some funds to be false and exaggerated, and investors must keep their eyes open when buying funds.
How to tell whether a fund is good or bad?
Since buying a fund may exaggerate the performance of the fund, how can you tell whether a fund is good or bad? Learn the following two points:
1, depending on the long-term performance of the fund. Since many fund products like to use short-term results such as three months to listen to visual inspection, we must pay more attention to their long-term performance when purchasing fund products, that is, the quality of long-term performance can reflect whether a fund is stable or not and whether it can really bring returns to investors;
2. Look at the performance ranking of the fund. When buying a fund, you don't have to choose a product that has just been released or released for a short time but has a high expected return. You can check the performance ranking of the fund, and the top-ranked established fund is also worth buying!
Summary: As a relatively safe investment product, Public Offering of Fund is more worthy of investment by ordinary investors than stocks, P2P, Yu 'ebao and private equity funds. As long as you learn to distinguish the quality of the fund from the above two points, you can buy a Public Offering of Fund suitable for your investment.