As a cooperative investment method, mutual fund is characterized by pooling the funds of small investors and handing them over to financial experts for investment management, and the proceeds belong to the original investors, so that the funds continue to increase in value. Because mutual funds provide investors with asset risk management and professional investment services, they usually charge management fees, which generally do not exceed 1% of mutual fund assets every year. For investors, on the one hand, mutual funds are conducive to diversifying investment and achieving the purpose of diversifying risks; On the other hand, inviting investment experts to operate and manage investment funds can reduce the losses caused by blind investment.