First, determine the investment target, high risk and high return (such as yield 10%, fluctuation of 20%), low risk and low return (such as yield of 4%, fluctuation 1%), or something in between or even more extreme. For 99% of people, there are no low-risk and high-yield investment options, and only 1% of people with extremely high technology (one in a million) or inside information may have low-risk and high-yield investment options (such as yield 10%, with a fluctuation of 5%).

After the target is determined, choose the corresponding fund: for example, low-risk and low-return stock selection base, medium-risk and medium-return debt base, high-risk and high-return stock selection base or QDII. Then choose the products with the most reliable technology of fund managers among the corresponding types of funds, mainly to observe the long-term (more than 5 years) performance. Funds with data less than 5 years are difficult to judge, and non-professionals suggest avoiding them.