帮主郑重聊基金：20年财经老炮，教你挑对“不翻车”的长钱标的

Core Viewpoint - The article emphasizes the importance of selecting mutual funds based on the fund manager's ability to manage downturns and the consistency of the fund's performance over time, rather than focusing solely on short-term gains [3][4]. Group 1: Fund Selection Criteria - Investors should prioritize the fund manager's track record, particularly their ability to minimize losses during market downturns, as evidenced by performance metrics such as a fund's drawdown during challenging years [3]. - It is crucial to analyze the fund's holdings to ensure they align with the stated investment strategy; for example, a fund labeled as "technology" should not heavily invest in unrelated sectors like liquor [3]. - Historical performance of established funds should be preferred over new funds, as they provide clear insights into past performance and risk management, while new funds often rely on narratives without proven results [3]. Group 2: Investment Philosophy - The article advocates for a long-term investment approach, suggesting that once a reliable fund is chosen, it should be held for several years to realize its potential, rather than frequently trading based on short-term fluctuations [4]. - The focus should shift from seeking high-return "mythical funds" to finding stable funds that can provide consistent returns over time, emphasizing the importance of a fund that can accompany investors on their long-term journey [4].