How to tell if a fund is worth buying

If you want to determine whether a ** is worth buying, you should analyze it from multiple angles, and let's analyze whether a ** is worth buying.

First, you should first confirm the type of ** you are buying

For example, the current types of **index**, partial debt**, partial equity**, etc. It should be judged according to the type of ** you buy, but the **type I advocate is mainly an index type**, because this type of ** is relatively stable. <>

2. Choose a popular industry

Because the rising and falling trends of the market are determined by the current market development trend, the development trend of the popular market industry is still relatively stable.

For example, the current new energy technology is still worthy of our public's consideration, because the current development of new energy technology is in a state of full swing. <>

3. Choose the right manager

Because the managers you buy are all operated by some managers, it is best to choose those who have been in the industry for more than three years and have experienced both bull and bear markets.

Because this kind of manager can grasp some relatively large risks, they can make the development of the first in a relatively stable situation. <>

Fourth, the performance trend in recent years

Because the performance trend in recent years represents the **recent years**amplitude, **amplitude is high, then it means that the **** development is still relatively good this year, if the performance trend is very low, then there is no need to consider.

Fifth, understand the scale of **

Usually a relatively stable scale is more than 200 million, because more than 200 million, the manager can be better, so that the development of the company is in a better trend. <>

The above content is some of my opinions, there may be some shortcomings, welcome all bigwigs to comment in the comment area, and finally I want to emphasize that investment is risky, and investment needs to be cautious. Don't invest blindly, consider the risks and benefits reasonably.

Take a look at the scale: Generally speaking, a high proportion of large redemptions often means that the liquidity of this ** is poor, so it is easy to lead to large fluctuations. Therefore, for novice investors, try to avoid those that are too small** to avoid unnecessary losses due to large redemptions.

Three looks**manager: **manager is the soul of a**, and excellent performance comes from the manager's investment ability. Experienced managers with excellent past performance will not be bad at management.

You can go to Alipay to look at the index traffic light to see if the ** is overvalued or low.

You can also go to every day** to see if the price-earnings ratio of ** is overvalued.

You can see the drawdown rate, yield, and whether it is worth buying.

Study the benefits that this ** can bring after purchase, judge its ups and downs, judge whether the ** company is reliable, and so on.

It can be judged according to the situation of this **, whether it is stable, and how the development of the ** issuing company is, which can be judged through these aspects.

I often get questions from some friends:The xx** I bought is now down 20%, should I stop the loss in time, or wait for ta**?

Let's start with the conclusionAt all times, we must keep the strong earning ability in our hands; And the ** with weak earning ability, even if it has already incurred losses, it is necessary to sell resolutely.

So how to judge whether a ** earning ability is strong or weak, then I will share 2 tips with you. If you also have ** in your hand and are hesitating to sell, you might as well test yourself together.

You see, the gap is too big.

Whether compared with the CSI 300 or the average of its peers, it is simply weak.

I can't help but say to it: Look at people.

We can make a rough judgment:This may not be a good base

If you only compare it with the "CSI 300", you may mistakenly kill some**. From a professional point of view, this comparison is not rigorous enough.

For example, the CSI 300 Index includes only 300 large**It is equivalent to the "average body of a fat man".；But if you want to use it to measure the performance of a small and medium-sized market, or the performance of a certain industry, it is not appropriate.

So what should it be compared to?

We've said it before:No matter what the **, there is a passing mark set by yourself, which is called "performance comparison standard" in professional terms. The goal of most of the best is to keep up with or exceed the comparison standard, which is considered "performance passing".

If you look at it regularly, whether it has underperformed the passing line, you can roughly judge whether it is a bad one.

This passing mark, the "Performance Comparison Standard", is included in the periodic report of **. It can be found on the third-party **platform, or **official website.

Use the daily ** network to show you, and you can do it in two simple steps.

Step 1: On the details page, click on it"Announcements" and select "Periodic Reports".

The ** history reports on the various quarters, are in this.

Step 2: Open the latest report, in which you can find a comparison chart of the ** trend and the passing line.

For example, b** in this chart, the historical chart shown in the Q2 2020 report.

The blue line is the ** trend, and the red line is the "performance comparison standard" trend, that is, the passing line.

Therefore, based on the above two judgment criteria, we can basically determine: this is a very poor performance **. Since the end of '16, it has not been able to beat the passing line for a long time.

Pointing to its transformation from an ugly duckling to a white swan, the probability is actually not high. Timely stop loss and change to a better ** is a more suitable choice.

Have you learned these two tips? Quickly screen out the poor income that is too weak to make money** to avoid falling again and again.

Of course, I hope that everyone will choose a good investment target from the beginning, and choose the right long-term one, so that the probability of making money is higher.

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When choosing, we often say that what suits you is the best, so what kind of ** is suitable for you? How should you judge?

If you get a team that has a decent overall performance and want to know if this one is right for you, you can ask yourself three questions.

How much money do I want to make through a**, here is mainly to understand their expected rate of return with sails, different types of ** are with different risk-return characteristics, if you think that you can earn about 6% a year even if you are satisfied, you can also outperform the bank's financial products, then fixed income + strategy ** is a good choice, if you want to earn a little more, such as an average of 15% to 20% a year, then you can consider industry themes**, this kind of ** The long-term average expected rate of return is the highest, and some people believe that the higher the rate of return, the better, and no one will dislike having more money.

That's true, so it's important to ask the second question: "How much is it acceptable for a ** to lose?" Chang answered.

It is possible for you to get a high return while not taking risks, the higher the expected return, the higher the risk coefficient, that is, the higher the magnitude and probability of loss, such as partial stocks, the average maximum drawdown rate of each year is more than 20%, it is okay, if you want to earn the expected rate of return of partial stocks, you have to consider whether it is acceptable if it is a loss of 20% or 30%.

The third question is, how long can I put the funds invested in **? That is, how long can this ** be held, different ** have different liquidity, the same expected rate of return**, and the ** liquidity with a lower risk coefficient may be worse.

In **investment**, there will be some unplanned ** for various reasons**, so every once in a while, you need to do a physical examination of your own ** to check whether the **combination is a scientific and reasonable combination. So how to judge whether the ** you bought is reasonable?

1. Check whether the combination of various assets such as ** bonds is reasonable. Regardless of your risk tolerance, we have to try not to have only **no bonds or only no bonds**, such as all **** or all bonds**, these very extreme allocations are unreasonable.

2. Whether it has achieved active and passive full coverage. If you want to achieve a good effect of diversification, you can also choose to balance the allocation between active equity and passive management. Actively managed ** has the opportunity to significantly outperform the index and obtain excess returns.

The index** has low transaction costs and good diversification effect, which can fully reflect economic growth in the long run. The two work together to achieve a very good balance.

3. Whether the investment style is diverse. Our common investment styles are value investment, growth investment, and balanced investment, and each investor will have their own investment preferences. However, if it is considered from the perspective of risk, it can be biased, and it is best to allocate products with different investment styles at the same time.

4. Whether there is an allocation of core assets and satellite assets. The proportion of asset allocation is also very important, if it is a stable investor, the core assets can focus on the allocation of bonds**, etc., if it is a more aggressive investor, the core assets can focus on the allocation of partial stock mix**.

5. Is there a configuration of some core themes**. After the above are effectively configured, you can meet some personalized needs, some market hotspots or their own research, pay attention to a lot of areas can enter our investment sight, after in-depth tracking and analysis of some of the best investment.

6. Maintain long-term attention, follow-up, and appropriate rebalancing. If the medium- and long-term performance is excellent, and the short-term performance is unsatisfactory, you can increase your position appropriately. If the medium- and long-term performance is unsatisfactory and the short-term performance is outstanding, the observation can be retained.

The above is an introduction to how to judge whether the ** you bought is reasonable, I hope it can help.

You can judge whether you can start from three aspects, such as valuation, market, and location, first of all, in terms of valuation and fiber value, when the valuation is low, you can start, at this time, it has investment value, the greater the probability of profitability, and when the valuation is high, it is not suitable to start.

Secondly, in terms of the market, the main investment is a basket, when the market is better, you can start, at this time, the probability of investment is larger, and when the market is not good, it is not suitable to start.

Finally, in terms of position, when the spine is at a low level, you can start, at this time, the probability of investing in ** to obtain income is larger, and when ** is at a high level, it is not suitable to start.

According to statistics, 2015 coincided with a round of bull market in the A** field, and the annual comparable performance was in the top 150 ordinary **type**, how did it perform in 2016? Only two are still in the top tentile echelon, and the rest are more than 2,000 in the same category, or even at the bottom.

However, even after two years of "roller coaster" performance, its earning ability is difficult to generalize. For a longer period of time after that, there are still good times and bad times, whether the profit and loss are offset or can earn excess returns, it is better to examine it for a long time, which can be used as one of the ways for investors to reduce the probability of regret and error in investment decisions.

According to statistics, as of the end of the first quarter of 2017, the performance ranking of ordinary ** type, which has been established for more than 5 years, has fluctuated in a single year in the past 5 years. However, if you extend the time to the annualized return of the past 5 years, only one** is below 10%, and the highest annualized return is 37%. At the same time, in the long-term time dimension, it is more conducive to investors to judge the manager's management ability and investment style according to the performance of different markets and market styles, and selectively allocate products under their own tolerance and corresponding market style.

The long-term dimension can not only reflect the manager's ability to make money, but also reflect his ability to control the drawdown of the net value when encountering extreme market conditions or unfavorable styles. When in the first market, whether the product performance can exceed the average level of similar products; When encountering an extreme market or a market, whether the drawdown of the net value can be below the average drawdown of similar products. or whether it has the ability to exceed the benchmark most of the time compared with the performance benchmark of the ** product.

In short, to measure the performance of ** products by sprint performance, the probability of choosing the wrong is not small, it is better to try to use a long-term investment vision, combined with personal risk tolerance and investment cycle, to choose a ** that continues to bring stable returns.