0 14362 fund refers to Ruiyuan's stable allocation of mixed A for two years. Ruiyuan Fund Management Co., Ltd. is a national public fund management company approved by China Securities Regulatory Commission, registered in Shanghai, with a registered capital of 1 100 million yuan. The company puts the long-term interests of investors in the first place, adheres to the concept of value investment and long-term investment, has a well-known investment team in the market, and has established a leading industry expert research team, focusing on equity investment and fixed-income investment, providing investment and wealth management products and services for individual and institutional investors.

First, how to choose a fund for investment

Broadly speaking, funds are set up with a certain amount of funds for a certain purpose, such as common social security funds, provident funds and other foundations; In a narrow sense, funds are funds with specific purposes and uses.

1, trend of fund net value

Pay attention to observe and summarize the trend of fund net value.

2. Fund type

Choose a fund according to your risk tolerance. Funds with fast net growth also have greater investment risks. Investors with strong risk tolerance can choose equity funds; If your tolerance is weak, you can choose a bond fund. In addition, investors who need funds to maintain liquidity can choose money funds.

3. Investment objectives

When investing, you must plan ahead, and you can't invest blindly. The same is true for investment funds. If you want to achieve short-term goals, don't choose stock funds; If you want to achieve long-term goals, you can choose index funds and stock funds to obtain long-term investment income.

4. Fund costs and expenses

Fund is also a commodity, which is always pursued by consumers. It is better to buy more fund shares with less money. Because of this, fund companies with good growth and thoughtful service charge higher fees. Don't just base on cost and preferential rates, choose the best among the best.

5. Fund managers

Choosing a fund with excellent fund managers under an excellent fund company can help investors get stable income in the unpredictable market, and investment experience is also very important in fund operation.

6. Fund investment ratio

Funds that are brave enough to invest in funds must consider the ratio with family income. It is impossible to say that the funds are in one basket. Generally speaking, it is impossible to buy all the funds into funds, especially high-risk funds.

Second, the fund classification:

1, which can be divided into open-end funds and closed-end funds according to whether the fund units can be increased or redeemed. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

2. According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

3. According to the difference of investment risk and income, it can be divided into growth fund, income fund and balanced fund.

4. According to different investors, it can be divided into four categories: bond fund, stock fund, money fund and hybrid fund.