First of all, investors should choose the type of fund products according to their risk tolerance, or build a portfolio that matches low-risk and high-risk fund products. As far as fund types are concerned, money funds are low-risk products, and the current income is below 2%; Equity funds are high-risk products; In between are bond funds and other fund varieties. Secondly, investors should choose funds according to their own risk preferences. If you don't want to take too much risk, investors can consider low-risk capital preservation funds and money funds; If the risk tolerance is strong, equity funds can be given priority. Equity funds are more suitable for young and middle-aged investors who have fixed income and like aggressive financial management. Investors with moderate risk tolerance should buy balanced funds or index funds. Different from other funds, the investment structure of balanced funds is the balanced holding of stocks and bonds, which can ensure that the investment always runs in the middle and low risk range, so as to achieve the purpose of balancing returns and risks. Investors with poor risk tolerance should buy bond funds and money funds. Generally speaking, young people also adhere to the principle of conservatism. Middle-aged people can choose according to their own preferences and economic base. It is best to diversify risks and try a variety of fund combinations. ?

Generally speaking, the elderly have no additional sources of income, and mainly live on pensions and early investment income, so their risk tolerance is relatively low and their investment period will not be long. The investment at this stage aims at stability, safety and preservation of value, and is usually more suitable for products with higher safety such as balanced funds or bond funds. ? Third, suit your own goals? Different investors have different needs for maintaining and increasing the value of future funds, so they will set different income expectations and allocate appropriate fund products as needed. Investors who pursue long-term capital appreciation should first choose equity funds; For investors who pursue the stability of income, they can choose bond fund products in a targeted manner; Investors who have a strong demand for liquidity can choose money funds.