文 | 银行螺丝钉 （转载请注明出处） 基金是非常适合普通人的投资品种。 什么类型的基金更适合新手？ 基金投资该怎么投？ 长期投资前要做哪些心理建设？ 这里有一门限时免费的福利课程，能帮助新手投资者从零开始了解基金投资。 想要获取这门课程，可以扫下方二维码添加 @课程小助手 ，回复 「 基金入门 」 领取哦～ 更有课程笔记、思维导图，帮您快速搞懂课程脉络，学习更高效。 估值百分位，看多少年的数据更 合适? 有朋友问,查询估值百分位数据的时 候,有的平台同时有3年、5年、10年的 百分位数据，选择哪个比较好? 实际上跟多少年没关系,主要看估值百分 位的历史数据,有没有覆盖历史上的极端 大熊市。 特别是在看百分位底部的时候,有没有 覆盖到熊市的位置。 比如过去的十几年,A股经典的几次大熊 市,像2012-2014年是大盘股历史最低估 #螺丝钉小知识 wnl 银行螺丝钉 ▼点击阅读原 文，免费学习大额家庭资产配置课程 ...

Group 1 - The article emphasizes that funds are suitable investment products for ordinary people [2] - It suggests that new investors should consider specific types of funds and outlines the importance of psychological preparation for long-term investment [2] - A free course is offered to help new investors understand fund investment from scratch [2] Group 2 - When selecting fund managers, it is crucial to focus on experienced managers who have weathered multiple market cycles [6] - The first criterion for selecting experienced fund managers is their historical performance, with a long-term annualized return exceeding 15% considered excellent [8] - The second criterion is the length of their career, ideally measuring performance over at least one complete market cycle, such as 10 years [9] - The third criterion is experience in managing large funds, specifically those managing over 2 billion [10]

Group 1 - The article emphasizes that funds are suitable investment options for ordinary people [2] - It suggests that new investors should consider specific types of funds and outlines the importance of psychological preparation for long-term investments [2] - A free course is offered to help new investors understand fund investments from scratch, along with supplementary materials like course notes and mind maps [2] Group 2 - The article draws an analogy between investing and tree planting, highlighting the concept of "big and small years" in both fields [6] - It advises investors to be patient during downturns in specific industries or styles, similar to how one would care for a fruit tree during a small year [7] - The importance of diversified investment across different styles and industries is stressed to mitigate overall portfolio volatility and benefit from various market conditions [7]