Baoying Fund: How can I buy a good fund?

Jiangsu readers' short answer: First of all, we should understand how funds are classified and the differences between risks and returns of various funds. Open-end funds are divided into stock funds, bond funds, hybrid funds and money market funds according to their investment objects. Among them, equity funds have the highest risk, money market funds have the lowest risk and bond funds have the middle risk. Due to different investment styles and strategies, the risks of the same type of investment funds will be different. At present, there are many fund companies in China, each of which has several funds. Faced with so many funds, investors should basically be able to judge the investment direction, investment strategy, risk and income level of the funds they want to invest in. Secondly, we should be clear about the risks we can bear and the expected level of income. If you don't want to take too much risk, you can consider low-risk capital preservation funds and money funds. If the risk tolerance is strong, equity funds can be given priority. Equity funds are more suitable for young and middle-aged investors who have fixed income and like aggressive financial management. Risk-neutral people should buy balanced funds or index funds. Different from other funds, the investment structure of balanced funds is the balanced holding of stocks and bonds, which can ensure that the investment always runs in the middle and low risk range and achieve the purpose of balancing income and risk. People with poor risk tolerance should buy bond funds and money funds. Third, we should consider the investment period. We should determine our investment period according to the use of our own funds and the requirements for asset liquidity, and try to avoid frequent purchase and redemption in the short term and avoid unnecessary losses. Fourth, to choose high-quality fund companies, we should know the situation of relevant fund management companies in detail and investigate their investment style and performance. First, the income of this fund can be compared with that of the same type of fund. Second, the fund income can be compared with the market trend. If the performance of a fund is better than the market index in the same period most of the time, then the management of this fund is more effective. Moreover, the profitability of the fund is directly related to the fund manager, whose ability, quality and stability have a great influence on the operation of the fund. For a fund manager, it depends on his work experience. What was his occupation before he became a fund manager? What is the content of the job? From his historical work, we can examine the investment style and operational ability of fund managers. Fifth, choose the right time to buy. In fact, investment funds, like investing in stocks, should also choose a suitable investment opportunity. If the investment timing is not well grasped, the income will be greatly reduced. For example, even if the fund you buy is good in all aspects, but the market is not good, then the income you get will be lower than when the market is good, and even there will be lock-in. Finally, it is suggested that when the stock market rises to a certain extent, some new funds can be bought appropriately to reduce the risk, while when the stock market falls, more old funds with better performance can be bought; You can buy less when the net value of the fund is high, and buy more when it is low. This combination of old and new will be more conducive to spreading risks and increasing profits. (Baoying Fund Management Co., Ltd.)