Compared with other financial management tools, funds have unique and advantageous characteristics, such as professional management and risk diversification, so funds are favored by many investors. But for new citizens, the most important thing is to establish a correct investment concept and investment mentality.

1. Fully realize that fund investment is risky.

As an investment manager, you should know very rationally that all investments are risky. Therefore, before investing, we should fully understand the characteristics, types and fund companies of fund products, and don't invest blindly. Facts have proved that only by fully understanding the potential of the market, companies and products can risk control be done well.

2. treat the fund as a long-term investment tool.

Funds are less risky than stocks and are not an investment tool for investors to get rich overnight. In other words, funds are long-term financial management tools, not short-term profiteering tools. Moreover, there may be violent fluctuations in the short term, and the short-term fluctuations will be smoothed out through long-term holding, thus increasing the probability of profit.

3. Buy a fund product that suits you.

Different investors have different risk tolerance. With the constant changes of age, time span, investment objectives and other factors, the risk tolerance level of investors will also change. Investors should start from themselves, rationally analyze their risk tolerance and financial assets, choose appropriate fund products according to actual needs, and then make a reasonable investment plan.

Don't do it if you are not familiar with it, and don't blindly follow suit.

The premise of buying a fund is that you need to have a basic understanding, which is called unfamiliarity. Buffett said that the success of investors is directly proportional to whether they really understand this investment. Now investors must not simply rely on other investors to say how the fund is, but should do market research in person, understand the current situation of the fund and the base market and make a comprehensive analysis. If you want to save time and trouble and make money, I advise you to give up before it's too late. In short, investment funds should make corresponding investment plans according to their own actual conditions, and at the same time, they should not blindly maintain a good attitude, which is the guarantee of investment income.