When choosing a fund company, how to examine the strength of the fund company?

When choosing a fund manager, we should first look at the working years of the fund manager, and it is best to choose a fund manager who has worked for more than three years. According to statistics, in the past 20 years, the average working life of fund managers is 2.6 years, so it is more appropriate for us to choose to work for more than 3 years. The longer the fund manager works, the richer the investment experience, especially the old drivers who have experienced bull market and bear market cycles. They are more capable of coping with various situations and may perform better. Although historical performance does not represent future performance, fund experience with good historical performance is more likely to achieve good performance in the future. The historical performance of fund managers mainly depends on the performance of fund managers in the fund, focusing not only on short-term performance, but also on medium and long-term performance.

Looking at the style of the fund mainly depends on whether it suits you. Some fund managers prefer a certain industry or theme, and the risk of centralized shareholding is relatively large. If you are relatively conservative, it is not appropriate. If you have a high risk tolerance, you can choose a fund manager with this operating style. Looking at the historical records of fund managers, it is best to choose a relatively stable one, and the retreat is not too big. This kind of fund managers have better risk control and more stable long-term compound interest. Select fund managers according to the market. If the market is good and radical, it is not easy for the market to choose a stable fund manager. Generally speaking, young fund managers are more radical and steady. According to the fund scale managed by the fund manager, generally no more than three funds can be managed to ensure the quality of the stock pool.

Generally speaking, if investors don't have enough practice and a lot of money, it is best to buy funds. A good fund manager can effectively help resist risks and generate income. The ideas and market views of fund managers are very important. We can understand the fund manager's viewpoint and operational logic through the fund manager's explanation, and check the sustainability of the fund manager's professionalism and trading style. Changing managers at will often can't bring stable income to fund investors. We can refer to past performance, but we can't absolutely look at the strength of fund companies behind fund managers. The importance of the company's strength is self-evident, which is the most basic guarantee.

The fund manager's fund management level is based on the historical performance of the fund manager. Pay attention to the economic environment. The background of bull market and bear market is different. It is normal for the fund's income level to rise and fall. Most people can get high returns in the bull market. Bear market bosses may also perform poorly, mainly depending on whether the management of fund managers is effective. Look at the fund's asset allocation and the corresponding risk level. The risk level of funds is relatively low, but the risk level of funds invested in different fields is also very different. Investors need to choose the right fund according to their own risk preference and other comprehensive factors, and then choose the right fund manager. Another point is to consider your own conditions and needs. Combined with the current economic environment, investment is a deposit of risks and returns. Reasonable judgment of demand can better find the right one.