There are many different types of funds in the market, and each similar fund also has different investment targets and investment strategies. When choosing a fund, investors need to pay attention to browsing all kinds of newspapers, sales outlets announcements or information of fund management companies, understand the expected annualized income, expenses and risk characteristics of the fund, and judge whether a fund meets personal investment goals. Specifically, investors should consider the following points:

1. Fund management company. Whether the fund management company is trustworthy, whether there are rich fund products for investors to choose from, and whether it has considerable operating experience and good management ability.

2. Whether the fund is suitable for individual needs, and whether the investment objectives, investment targets and risk levels of the fund are consistent with individual goals. For example, investment goals: Everyone has different investment goals because of their age, income and family status. Generally speaking, young people are suitable to choose funds with higher risks, and retired people are suitable to choose funds with lower risks. Acceptable risk: Generally speaking, high-risk investment has high return potential. However, if investors are more sensitive to short-term fluctuations in the market, they should consider funds with lower investment risks and more stable prices. If investors are more enterprising in their investment orientation, do not mind the short-term fluctuations of the market and hope to earn higher returns, then some funds with higher risks may meet the needs of investors.

3. Fund manager. The investment philosophy and style of fund managers are closely related to fund performance. Investors should know as much as possible about the fund manager's investment experience, past performance level and investment philosophy.

4. Other things being equal, investors can also pay attention to whether the fee level of the fund is appropriate, and it would be better if there is an opportunity to reduce the investment cost.

5. Understand your personality and analyze your investment attributes (risk tolerance). It is more important to suit yourself than to say that the fund is good. If you are willing and able to bear the risk of short-term large fluctuations, you can consider investing in equity funds; If the risk tolerance is moderate, bond (information, market) funds and capital preservation funds with higher annualized returns are good choices; If you can only tolerate minimal loss risk, bond funds and target funds are worth your reference.