Principle 1: Determine the nature of funds. First of all, the daily expenses must be kept for 3-6 months, and the remaining money can be used to consider investment. ?

Principle 2: determine the term of use of funds. Open-end funds can be purchased and redeemed every day, but I still think that investment funds should consider the medium and long term, preferably 3 to 5 years or even longer. When investors consider investing, it is best to first determine the period during which funds can be used. ?

Principle 3: Know your financial goals. Everyone will have different considerations when investing because of their age, income and family status. Generally speaking, young people who have just entered the society are more capable of taking risks than those who are about to retire, so they are suitable for choosing high-yield and high-risk fund products.

Principle 4: Choose the right investment method. Before preparing to buy a fund, investors should not only consider the nature of the fund, their investment objectives and risk tolerance, but also consider which method is most suitable for them.