According to the enterprise survey, Shangzhi Fengyuan, as a wealth management company that has been operating for many years, has certain experience and strength in risk control. For smart fund investment, because it belongs to index fund, it mainly buys and sells related securities according to the change of index, so the risk is relatively dispersed. In addition, according to the relevant regulations of China Securities Regulatory Commission, index funds must be managed by professional fund managers, and relevant information should be disclosed to the regulatory authorities on a regular basis, so that the regulatory authorities can supervise them. Therefore, from the perspective of fund types, resourceful funds are legal funds.