Investors should pay attention to the correct understanding of fund companies when they turn to citizens. Fund management companies are professional financial institutions, which have many incomparable advantages in research and trading. Under the same market conditions, their profitability is higher than that of ordinary investors. 2. Rational allocation of funds. Young people under 40: 50% of the fund? 60%, stocks account for 40%? 50%。 40? 60-year-old middle age: national debt accounts for about 20%, funds account for about 40%, and stocks account for about 40%. Old people over 60 years old: national debt accounts for about 40%, funds for about 40%, and stocks for about 20%. 3. Consider market risks. When the risk of the stock market increases, neither stocks nor funds with stocks as the main investment object are worth investing, but money market funds can be invested at this time.