The stability of performance can be judged by the rating obtained by the fund. In some third-party platforms, you can find quartile ranking indicators, and divide the same type of funds into four grades according to their performance: excellent, good, average and poor. Make sure that the long-term and short-term performance of the funds you buy has always been "average" or above. Buying funds should focus on medium and long-term investment. If the fund has been "excellent" in the short term and "poor" in the long term, it must not be bought. Look at the cumulative net growth rate of funds. The growth rate of the fund's cumulative net value refers to the percentage of the increase or decrease of the fund's net value within a period of time (including dividends), and it is one of the indicators to evaluate the fund's income. From the algorithmic point of view, the cumulative net growth rate of the fund = (cumulative net share-unit face value) ÷ unit face value. The higher the growth rate, the better the performance of the fund in a certain period of time. At the same time, the cumulative net growth rate of the fund should also be linked to the length of the fund's operation time. If a fund has just been established, its cumulative net growth rate will usually be lower than that of similar comparable funds with a long operation time. In this case, her financial advice can look at the past performance of fund managers and combine them to make judgments.

Fund dividend ratio Fund dividend ratio = cumulative amount of fund dividend ÷ unit face value. Because one of the prerequisites for fund dividends is that the fund must have a certain profit, if a fund has a high dividend ratio, it can realize dividends or even continue to pay dividends, which can reflect the ideal operation of the fund to some extent. Comparison between fund income and the broader market For the fixed investment of equity funds, the fund income can be compared with the trend of the broader market. If the performance of a stock fund is better than the market index in the same period most of the time, then the management of this fund is more effective. If you choose this fund for regular fixed investment, the risk and return will reach an ideal matching state.