Personally, I think that the safest way to buy a fund, especially for people who have no financial knowledge or common sense, must start with conservative investment. Of course, this also depends on their initial planning and how much money can be invested in financial management to choose the right method.

personally, I think the safest way is to buy some closed products with a stable long-term annualized rate of return that I didn't know very well at first. For example, if the closed period is about one year, usually this kind of fund will not fluctuate too much, and the income situation is higher than the overall interest rate of the bank's time deposit, so it should not take long time to pay attention and analyze, which is especially suitable for investing in Xiaobai, but its disadvantage is that it can't be taken out in any case during the closed period, and it can only be taken out after the closed period, so there is no regular flexibility for temporary money, and at most it is to lose interest on a regular basis, but the advantage is that it can be taken out.

Of course, if you have a certain risk tolerance, you can consider money market funds. Personally, I think money market funds are relatively stable, and even if the choice is not particularly ideal, you will not lose a lot of money. Of course, I still suggest choosing a large fund company here. The entire operating team and managers are very professional, and basically the income can be guaranteed. It can't be said that it is the highest in the same industry, but it will never step on the thunder, especially for investing in Xiaobai, which is suitable.

If you have certain financial knowledge and risk tolerance, you will have a broader fund selection level. You can choose stock funds, look at the ratings and some profiles of fund managers, and make a choice. Personally, when choosing, you can make a safe choice and choose some money market funds. Although the income is not particularly high, it will be higher than the regular interest.