Before buying a fund, you must understand the fund before recharging. There are several problems that must be clarified.

historical performance of the fund. To analyze the historical performance of a fund, we must combine the long-term performance with the short-term performance, compare the historical performance with the performance benchmark of the same period and the average level of the same kind, and select the best from the best, and the above-average fund can be included in the fund pool. If the novice is not good at analyzing the historical performance of the fund, he can use some tools, such as fund rating, to choose a fund with a fund rating of more than 4 stars.

To understand the risk of funds, we should consider the risk before the income. Buying funds is risky, and the risks of different types of funds are very different. If your risk tolerance is not high, you'd better pay attention to products with low risk level. For example, you just want to outperform the bank's wealth management income and try not to lose money. Then you can pay more attention to bond funds or funds with fixed income+strategy.

look at the fund's investment strategy, and focus on what the fund invests in. First of all, we look at the performance benchmark of the fund and see what the general asset allocation of the fund is like. This will help us to establish a reasonable income expectation for the fund.

and then look at what the fund bought? Public Offering of Fund can invest in all kinds of assets, but each fund manager's investment style is different, and the fund's positioning is also different. Some are biased towards value, some are biased towards growth, some prefer large-cap stocks, and some prefer small-cap stocks.

look at the fund manager's situation, the fund manager is the soul of a fund, especially for active funds, the fund manager holds the power, which largely determines the performance of the fund, so we must look at the ability of the fund manager, which can be distinguished from the historical performance and professional experience of the fund manager.