How to choose fund investment? How to choose a fund to invest in?

Start by determining whether your investment objective is high risk and high return (e.g. 10% yield, up and down 20%), low risk and low return (e.g. 4% yield, up or down 1%), or something in between, or something in between. For 99% of people, there is no such thing as a low-risk, high-yield investment option, and only 1% of people with extremely high technology (1 in a million) or insider information may have a low-risk, high-yield investment option (e.g. 10% yield, up and down 5%), so there is no need to read my advice. Once you've identified your goal, select the appropriate category

For example, low-risk and low-return stock selection, medium-risk medium-return bond selection, high-risk and high-yield stock selection or QDII. Then choose the most reliable product for the manager's technology in the corresponding type, which mainly depends on the observation of long-term (more than 5 years) performance, and the data is less than 5 years of ** is not easy to judge, and non-professionals are recommended to avoid. Are the aspects of the comparison between the regular investment and the ordinary subscription selection the same?

If it's different, what's the difference? Regular investment is a long-term investment, so you should be careful and not start on impulse, nor can you end on impulse. Because a small change can add up for many years, that's all.

Choose to be established for a long time and have a stable performance for a long time (more than 5 years) (in most years, the market ** falls slightly less, and the market ** rises slightly more; There can be a small number of exceptions, otherwise they may not exist), products with moderate returns (7%-10%).

The greater the fluctuation of the net value**, the more suitable it is for regular investment. Generally speaking, the greater the fluctuation of the net value**, the more suitable it is to make regular investment. In terms of types, ** type, index type, and hybrid type** have large fluctuations in relative net value, which is more conducive to reflecting the characteristics of ** regular investment to smooth costs and diversify risks, and is more suitable for regular investment.

Proactive or reactive? Theoretically speaking, the index type** is more suitable for regular investment than the actively managed type. At present, there are a large number of indexes** in the market, covering many industries or themes, and there is a wide range of choices.

You can choose the corresponding index** according to a certain industry or sector you are optimistic about. But it's not that actively managed ** can't be fixed, but it's relative. The old ** is more suitable for regular investment.

A lot of investors are willing to buy new **, and that's understandable. However, from the perspective of regular investment, the old ** has past performance to consider, and as long as the ** manager is not changed frequently, the investment style is relatively fixed, which is more conducive to investors' choice. Don't just look at how high or low your net worth is.

From the perspective of unit net worth, many people may habitually choose low net worth, but the relatively high net value of the same period of time may not be lower than the current low net worth, so don't just look at the customer unit price, but also pick out all the historical performance since its inception, compare it. It is also necessary to configure regular investment. Generally speaking, it is not recommended to choose only one ** fixed investment, or the old saying, do not put eggs in the same basket.

According to your investment preferences, you can choose the way of core + satellite, broad-based + theme. That is to say, choose a wide range of investment, both invest in stocks and small and medium-sized enterprises, and currently have a relatively large scale as the core.

The criteria for our selection of products, in fact, are easy to understand, there are no standard deviation, Sharpe ratio, Etino ratio and other derivative indicators, the three major criteria for the primary election, most people can understand, namely: more than 2 years of establishment, annualized return of more than 20% since its establishment, and the maximum drawdown of less than 20% since its establishment. Among the more than 6,000 sunshine private placement products public, only 141 products can meet these three criteria at the same time.

There are only 23 that can further meet our re-selection criteria, less than 1% (the net value of the product data comes from public disclosure, and the major financial management ** and **company official** have) can issue products and be a **manager, such a person already has extremely professional quality and ability, and should be regarded as a master.

But most of them didn't perform well, and it was really surprising. We've seen a lot of products with very high near-term gains, but it's chilling to open the net worth curve since its inception and find that their drawdowns are so large. There are also those who have not made any profit for two or three consecutive years, and I wonder what will happen in the next two or three years.

Maybe you can cover up the embarrassing performance with "the rate of return relative to **", but such a statement really makes people speechless, my money is handed over to you to manage, I want to hear your explanation if I lose money, you give me a sentence "Look, I didn't lose much, you have to thank me, otherwise you will lose more", it seems to make sense, easily shift the focus, but this logic doesn't make sense, I look for you to hope that you help me make money, and you are quite reasonable to lose money. Forget it, it's too much to say. Going on to say, the reason why we use such a standard of primary selection plus secondary selection is because only by looking at it from multiple dimensions can we see it more clearly.

If it has been established for less than 2 years, it is not considered, because the existence of luck will cover up the lack of technology.

1. Choose the products of large companies, because large companies have guarantees.

2. Select the top **.

3. Choose the best manager with good past performance.

Investing is an indirect way of investing. The management company concentrates investors' funds through the issuance of **shares, which are managed by the ** custodian (that is, a qualified bank), and the ** manager manages and uses the funds to invest in financial instruments such as **, bonds, etc., and then shares investment risks and benefits. In layman's terms, investment is an investment tool that collects the funds of many investors, hands them over to the bank for safekeeping, and the management company is responsible for investing in bonds and other funds to achieve the purpose of maintaining and increasing value.

Although it has a certain risk defense ability, it is also difficult to completely avoid the overall systemic risk of the market.

**Classification of Investments:

1. According to the fundraising method, according to the different fundraising methods, **investment** can be divided into public offering** and private **. Public offering refers to the investment that raises funds from public investors in the form of public offering and takes the investment object as the investment object. It has the characteristics of openness, realizability, and high standardization.

Private placement refers to the investment that raises funds from specific investors in a non-public manner and takes ** as the investment object. It has the characteristics of non-public, fundraising, large-scale investment, closed-end and non-listed.

2. According to whether it can be listed and traded, and whether it can be listed and traded on the **exchange, **investment** can be divided into listed ** and non-listed**. Listing refers to the investment in which the shares are listed and traded on the exchange. For example, exchange-traded open-ended index** (ETF), listed open-ended (LOF), closed-end**.

Unlisted refers to investments whose shares cannot be listed and traded on the exchange. There are two types: realizable** and non-negotiable**. Cashable means that although it is not listed on an exchange, it can be accessed"Redemption"to recoup the investment of **investment**, such as open-ended**.

Non-negotiable** means that ** can neither be publicly traded on the **exchange nor pass through"Redemption"to recoup the investment, such as some private placements.

3. According to the mode of operation, according to the different modes of operation, **investment** can be divided into closed-end **investment** and open-ended**investment**. Closed-end investment, which can be referred to as closed-ended, is also known as fixed-type investment, which refers to the completion of a predetermined number of investments, at a specified time (also called"Closed period"Investment in which the size of the capital is no longer increased or decreased. In terms of portfolio characteristics, it has important characteristics such as equity, creditor's rights and supervision.

Open-ended investment, which can be referred to as open-ended, also known as variable investment, refers to the amount of investment that can be changed by the issuance of new investment or the redemption of principal by investors. In terms of portfolio characteristics, it has important characteristics such as equity, deposit and flexibility.

There are various types of products in the market, and the prospects of each market are different, so it is also crucial for us to do our research in advance, so as to reduce our risks and bring us more benefits. At the same time, during the period of our purchase, we must also calm our mentality, we only have a good mentality, we can be like a fish in water in this industry, in order to get more benefits.

You should choose a company with relatively stable development**, and you should understand its industry and company, and also understand the degree of ownership of some people.

It is necessary to choose a more stable**, and the prospect is relatively good**, and the loss rate is not very high**.

Now it depends on the word-of-mouth, the price, the trend, and the previous trend, whether there are many people who buy it, and how the reaction is.

1. **Type** refers to the ** product composed of more than 95%, with higher risk and higher rate of return.

2. Index** refers to the index composed of SSE and SZSE trading indexes, with high risk and high yield.

3. Hybrid refers to the combination of multiple products such as bonds and bonds, with average risks and average returns.

4. Bond type ** refers to more than 80% of the bonds**, with low risk and low yield.

5. Currency** refers to the purchase of currency wealth management products, with the lowest risk and the lowest rate of return.

The risk is proportional to the return, and you should invest according to the risk you take.

The most important thing to choose is to choose the purchase period, if last year, you will basically lose money when you enter **, and now into it, the risk is much smaller.

1.First of all, we must choose the type of **, only the socks are followed by the same type of **Don't buy too much, because it is difficult to diversify the risk if you buy too much of the same type.

2.Pick a good manager. Look at the manager's past performance and experience, background information.

3.Look at the performance ranking of **. Generally speaking, it is better to look at the ranking and the performance ranking of the past year and three to five years, and try to choose the top 25% of the investment in the five, three and one year.

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zip, **summary of knowledge of beginner courses, notes of advanced courses, answers to questions of advanced courses, how to choose new ones, and understand the mystery of mixed types of earning more and losing less, etc.