2. Choose a fund with a long issuance time. The historical performance of funds with long issuance time can be traced back, and the operation methods and styles of fund managers are also displayed, so investors have a clearer understanding of their profitability. Unlike the new fund, everything is new, has not experienced the test of the market, the future profit and loss is not clear, and investors are not easy to predict.
3. Choose short-term funds. Monetary fund is only suitable for investors' short-term investment operation, and as a temporary storage place for idle funds, it is not suitable for medium and long-term investment objectives. Because the risk of money fund is low, the income is relatively low. Short-term income is ok, but long-term investment can't bring higher income. Therefore, it is ok for investors to invest in monetary funds in the short term and dispose of temporarily idle funds, but it is more appropriate to choose wealth management products with higher returns in the medium and long term.
4. Choose funds with high returns. The annualized rate of return of money funds fluctuates, but generally speaking, funds with higher annualized rate of return are more likely to have a higher trend than funds with lower annualized interest rates, and the strength of fund managers has also been verified by the market, so it is more likely for subsequent investors to get more income. Therefore, it is more likely to make a profit by directly choosing a fund with high annualized rate of return than by choosing a fund with low annualized rate of return.
5. Choose a fund with moderate scale. When the market interest rate goes down: the income of small-scale funds drops rapidly, and the profit will be greatly diluted when funds flood in; Large-scale funds are more risk-resistant and less affected by falling interest rates. When the market interest rate goes up: small-scale funds are easy to adjust positions, can catch up with the wind faster, and the investment income increases rapidly; It is difficult for large-scale funds to adjust positions, and their ability to catch up with investment outlets is weak, and the income growth rate will not be too high. Therefore, investors should choose the right money fund to invest according to their own investment needs.
6. Choose funds that are easy to convert. When investors choose money funds, they can choose funds with multiple fund types under their fund companies, so that when the market changes and investors want to change the types of funds they invest in, they can not only change faster, but also reduce the switching cost.
7. Select funds that have already opened positions. Generally speaking, money funds that have completed their positions for a period of time have more kinds of investments and relatively higher returns.
8. Buy funds at the end of the month and the end of the quarter. Generally speaking, these time nodes are all periods when market funds are relatively tight, and market interest rates will go up. Compared with other buying time, investors are more likely to get higher returns.
9. Subscriptions are not accepted on Fridays and the day before holidays. Most money funds T+ 1 trade, and the subscription on Friday and the day before holidays will not confirm the share, which means that there is no income on weekends and holidays, which is not cost-effective for investors.
10, _ beach throwing and stopping system? Short is not long, that is, the monetary fund is more suitable for managing short-term funds, liquidity, and temporary funds that have no clear purpose for the time being; As for those who do not move funds in the medium and long term, it will be better to choose wealth management products with higher returns. The money fund itself mainly invests in short-term monetary instruments. Although the security is high and the income is relatively stable, the income is not particularly high, and long-term investment cannot earn a lot of income.