Research before investing in funds

Such a person once asked the expert: "I spent 200000 yuan to buy a fund to make a profit. It's more than half a year. Why hasn't it gone up all the time? I feel like a bank deposit. Is this fund bad?" So the expert asked him which fund he was and answered that it was XX fund. The expert told him helplessly: "this is a bond fund, and the yield is naturally low. Didn't you know when you bought it?" "I thought all the funds were the same," the person replied Just because he refused to do some basic homework, the investor wasted the hottest half year of the fund.

In fact, investment without research is just like playing cards and never looking at cards! Choosing a fund is different from buying Chinese cabbage. We need many indicators to measure what kind of fund is worth investing. If you are buying a fund, you should at least know the type of the fund, stock type, bond type or allocation type? What is the past performance of this fund manager? How long do you plan to hold it? What is your expected return? How much loss can we afford These questions are not complicated. They don't even take you 10 minutes.

Of course, individual investors don't have to buy and sell funds every month and every week like institutional investors, but they should concentrate on careful research on the funds they buy just like they buy their own houses, and pay attention to the fund companies with good products from all walks of life around them, which will help them obtain reliable first-hand information. To some extent, individual investors should have "an incredible advantage" over institutional investors.