1. Which fund management company is better? A: Generally, you can choose fund companies with larger assets: Huaxia, Jiashi and Yifangda.

2. Which bank is better? A: Banks are all the same. Online banking subscription can be opened, and online banking subscription has a discount (I think CCB is ok, my personal opinion).

3. Directly recommend fund investment?

A: I can explain the investment concept here, and I don't recommend personal funds. As for how to choose, it mainly depends on your risk tolerance and the requirements of the income standard. In short, we should understand the law that "risks and benefits are always equal". If you can bear high returns and high risks, of course, the allocation of all-partial-stock funds is suitable for you (in fact, if the fund types are the same, the short-term returns are similar, but mainly refer to the long-term annualized returns); However, if you are a risk-averse person, you can optimize your portfolio in configuration. I suggest you control your own risk in allocation, buy less funds but make a reasonable combination, allocate bond funds with less risk to a higher level, accounting for about 60%-70% of the total funds, and allocate stock funds with greater risk to about 30%-40% of the total funds. Moreover, stock funds suggest choosing index funds, which can be effectively avoided. Good wishes!