2. The fund raising period is the golden period for understanding the general situation of the fund. Ordinary investors can focus on the fund manager, fund type, fund raising period, supported bank cards and various rates through the prospectus issued by the new fund. The past investment style and performance of fund managers can be used as a great reference for choosing funds. Generally speaking, the style of fund managers is the same. Fund types should match their respective risk tolerance, and equity funds have higher returns and greater risks. The handling fee rate is also a major consideration, especially for large investors, preferential rates can save a lot of money.