1. Check that the fund rating is above four stars. If you don't have enough fund expertise, don't know how to evaluate a fund, and are busy at work at ordinary times, and don't have much time to study a fund and read its periodic reports in detail, then fund rating is a very good auxiliary tool for you. It is a simple but effective method to pay regular attention to the evaluation of fund products by rating agencies. Try to choose a fund with a rating of more than four stars, and the risk coefficient is low.

2. Avoid funds that change hands too frequently. It is not that a fund with too frequent turnover rate must be a bad fund, but from the perspective of risk, when the turnover rate of a fund is too high, the risk coefficient will be higher.

3. Choose a fund manager with the right style. A good fund manager can seize the opportunity when the market goes up and control the risk well when the market goes down.

4. Fund companies with stable investment and research teams. This is also very important. The steady operation of a fund is not the credit of the fund manager alone, but the result of the cooperation of the investment and research team behind it.

5. Reduce investment risk through securities investment. There are many kinds of funds, covering different industries and different themes, and the fund styles are also diverse, including growth, value and balance.