First of all, we should clearly understand our risk-return preference.

Knowing yourself is the first step in all investments. If all aspects are good, short-term market fluctuations will not have much impact on personal life, and you can choose some stock funds with high risks and returns to invest; If the situation is the opposite, we can consider investing in bonds, currencies and some conservatively allocated funds, and at the same time, we can also assist some high-risk funds to improve their returns.

Second, it is a good method to invest regularly and regularly.

No one can guarantee that you can always buy at a low point and sell at a high point. Therefore, the fixed investment method is the most suitable investment method for ordinary investors. It is best to make long-term investments.

Third, spread risks through portfolio investment.

It is best not to buy the same type of funds or funds with the same investment style repeatedly, so as not to achieve the purpose of diversifying risks. According to your actual situation, you can choose about three products with different risks and returns from two or three fund companies for portfolio investment, which is commonly known as "don't put all your eggs in one basket".

Fourth, master the types of funds and reduce the risk coefficient.

Different types of funds will present different income and risk levels due to different investment categories and scope, so it is necessary to choose the appropriate fund type according to their own risk tolerance and financial management objectives. For "basic" friends with strong risk tolerance, stock funds and active allocation funds are suitable varieties; For investors with low risk tolerance who only want to resist inflation, exceed the interest of bank time deposits and remain stable, they can choose conservative allocation funds and ordinary bond funds. The remaining short-term debt base and money market funds can be used as cash reservoirs because of their flexibility and convenience.

Fifth, look at funds with low or low downside risks.

Generally speaking, traditional investment principles often measure the risk level of funds by examining their past risks. The most commonly used indicators are standard deviation and downside risk coefficient.

For investors, if the market falls, funds with less risk of falling can make investors bear relatively small losses. For investors with weak risk tolerance, special attention should be paid to funds with low or low downside risks.

Sixth, risk adjustment of the rate of return.

Although the statistical indicators of risk can not eliminate the risk of funds and accurately predict the future, they reflect the investment style of fund managers to some extent. Investors choose a fund that suits their risk tolerance by examining risk indicators, rather than blindly pursuing high returns of funds. This is the correct way to open the fund investment.