First, mechanism risk control. Participation in new fund investment usually has a closed period of three months, which provides a certain closed operation cycle for the net value growth of open-end funds and creates conditions for investors to gain opportunities for net value growth. Avoid the situation that investors are eager to redeem the fund products after purchasing them, resulting in frequent operations. If you buy principal guaranteed fund products, you can get the principal guarantee as long as you hold them for three years. Of course, investors can also choose a financial fund with a certain closed period, which is also a good way.

Second, target risk control. That is, when investors choose fund products, they should adhere to the investment philosophy of not giving up until they reach their goals. In particular, we should choose the appropriate fund product type according to our investment objectives. Based on short-term investment objectives, we can choose low-risk money market funds and bond funds. Based on the medium and long-term investment objectives, you can choose stock funds and graded fund products for investment.

Third, make up for risk control. For fund products with good fundamentals, investors can take advantage of the favorable opportunity of the decline in the net value of fund products under the volatile market and choose the opportunity of low-cost covering positions, thus playing the role of sharing the cost of buying the base. So that investors can take advantage of low-cost advantages as soon as possible, recover investment costs and achieve profitability under favorable market conditions.

Fourth, the concept of risk control. In other words, investors need to adhere to long-term investment, diversified investment, value investment and rational investment, implement the financial management idea of "not putting eggs in the same basket", allocate idle funds among bank (market area) deposits, insurance (market area) and capital market, control the investment ratio of stock fund products, and choose the aggressive, stable and conservative fund product portfolio that suits them.

Fifth, investment risk control. That is to say, adopting fixed channels, using fixed funds and choosing fixed time investment mode can smooth the fluctuation of securities market and reduce the investment risk of fund products. Fixed investment is an effective fund operation mode to effectively avoid the risk of investors' choice, which is more suitable for wage earners to participate in fund product investment in time.

Sixth, phased risk control. That is, investors follow the investment operation rules of different types of fund products and carry out risk control: money market funds mainly invest in one-year money market instruments, free of redemption fees and with strong liquidity; Bond funds have a certain relationship with the adjustment of monetary policy; Equity funds cannot be separated from the economic cycle; QDII fund products need to consider the economy of the investing country, especially the exchange rate fluctuation; Graded fund products need to grasp the spread arbitrage between the net value of fund products and price fluctuations.