How to choose a fund and how to choose a good fund for fund investment

**Regular investment refers to an investment method that automatically completes the deduction and submits the application according to the agreed time, period, amount and termination method. If you choose to invest monthly, weekly, or daily, the deduction date of the monthly deduction can be selected from 1 to 28 days, and if you choose to invest on a weekly or daily basis, there is no such control, and the first deduction date should be at least one trading day later than the application date. If you need to apply for the automatic investment business, you can log in to the Ping An Pocket Bank APP-Homepage-**-**Products-Auto Investment area for details and processing.

There are "three natures" in investment, security, liquidity, and profitability, and only in the case of the integration of the three genders can we screen out the investment products that are truly suitable for us. In fact, saving is also an investment behavior, putting money in the bank will generate a certain amount of interest, high liquidity but the interest is somewhat different from other financial products. **Regular investment is a set of "three sexes" as one of the investment and financial products, if the investment is good, the annual income may exceed 20%, that is to say, save 1,000 yuan per month, 40 years of principal and interest can exceed 100 million.

**There are three selection criteria for regular investment, which must be observed.

First, the selection of more than 3 years of establishment, the stability of the new type is not strong enough, it is difficult to survey its actual rate of return. Here we have to learn how to calculate the cumulative net value growth rate and the dividend ratio, and use the data to understand whether this is profitable enough.

**Cumulative Net Value Growth Rate = (Cumulative Net Value of Shares - Par Value of Units) Face Value of Units.

If the cumulative net value of the ** share is yuan, and the face value of the unit is 2 yuan, the cumulative net value growth rate of this ** is (. Not the 9% growth rate is just a numerical example, the cumulative net value growth rate of ** is better, you can find more than one ** for calculation and comparison.

Dividend Ratio = Cumulative Dividend Amount Face Value.

**Dividends will be generated only if the profit is good, for example, since the establishment of a **, the cumulative dividend has been 7 times, and the dividend ratio can reach 18%, which means that the running state of this ** is very good and suitable for investment.

Second, the highest 3-year income in the same type of ** products, although it is not wrong to "follow the trend", but data is the last word. In the first step selected ** although picked out in this 3The highest rate of return in the middle of the year, whether it is **** or **, can have a higher rate of return, which can indicate that this kind of ** risk is lower and more suitable for fixed investment.

After all, in China, the bull is shorter than the bear, and the manipulation in the bear market is particularly important. In addition, it should be noted that it is meaningless to compare different types of **products, after all, different categories of ** have different investment methods and risk tolerances.

3. Reduce the frequency of changing managers. A good manager manages well, and investors can also get greater returns. Here it is recommended that investors should be able to use some professional institutions, ** regular investment treasure platform is a good choice, which can professionally help investors get better returns.

If investors frequently change managers, each manager operates in a different way and makes a profit, making it difficult to achieve the best rate of return.

The choice of good ** can look at the following aspects:

1. Historical performance: Historical performance represents the performance since its establishment, and the higher the historical performance, the better.

2. Maximum drawdown: The maximum drawdown is the range of the net value from the highest to the lowest in a period of time, and the lower the maximum drawdown value, the better.

3. Manager: The manager is the manager of the company, you can choose to have industry research experience, and the management time is long-term, it is best to have a manager who has experienced a complete round of bull and bear transformation, or you can directly choose a star manager, such as: Zhu Shaoxing, Zhang Kun, Xie Zhiyu, Fu Youxing, Dong Chengfei, Zhou Weiwen, etc.

Extended information: 1. ** types suitable for regular investment:

1.The greater the fluctuation, the greater the profit and loss, and the effect of regular investment in batches to spread the cost is more obvious, and the famous smile curve is the use of **fluctuations to obtain income.

2.During the market, accumulate low-cost chips through continuous regular investment, and when the market is first, you will have the opportunity to obtain more generous returns.

There is also a long-term performance of the **, **fixed investment is a long-term process, the fancy is the long-term investment income, therefore, the index ** and the medium and long-term performance of the active management of the partial stocks** are good choices.

3.The index is compiled in accordance with certain rules and standards, and will be adjusted regularly according to the performance of the index, removing the old and welcoming the new, so it has the characteristics of immortality, but to be optimistic about the market for a long time, that is, to invest in the index to obtain long-term investment returns.

Partial stocks** with good medium- and long-term performance have greater growth potential and are likely to achieve higher returns.

2. Advantages of long-term holding:

Holding for a long time can reduce transaction costs, because there are subscription and redemption fees every time you buy and sell, and generally the longer you hold it, the lower the redemption rate.

For example, taking China Merchants CSI Liquor Index as an example, the redemption fee calculation formula is as follows: Redemption fee = redemption amount Redemption rate, less than 7 days, the redemption rate is; If it is greater than or equal to 7 days, the redemption rate is less than 1 year; If it is greater than or equal to 1 year and less than 2 years, the redemption rate is; For 2 years or more, the redemption rate is.

**Regular investment generally takes a few years, so choose ** company with better strength and stable team, I think Huaxia, Harvest, Industrial and Fuguo are better, and now the Shanghai and Shenzhen points are relatively low, which is a good time for regular investment. When choosing a specific **, you should also look at**manager,**scale,past performance, etc.,If you are afraid of choosing the wrong **, you can choose the index**. Regular investment recommends Huaxia Dividend, Huaxia Advantage, Fuguo Tianhui, Huaan Baoli, Harvest Quality Enterprise, Harvest Service, Industrial Global Vision, Huaxia 300, and Harvest 300

**It's not a sure win, it's risky, and no one can say how much the benefit is, it depends on the future trend of China.

It is recommended to choose two stable ones, and it is recommended that Huaxia Advantage and Fuguo Tianhui have stable long-term performance, experienced managers, and are worthy of long-term investment. Colleagues recommend 2 better**comprehensive** to learn**knowledge, cool base network several meters**net, I hope it will help you.

Regular investment is a medium and long-term investment, the key is to understand the trend of the market very well, such as the current market is a bear market, if you think that the market will definitely rise in 1-2 years, then you should choose the index or **type**. Then invest in it for 1-2 years. It's definitely lucrative.

On the contrary, if you only want to invest regularly for half a year or a few months, and you think that it is still a bear market, then you should choose a bond or currency type. In short, buying ** is the same as copying stocks, you must have a study of the market, and the manager is unreliable.