When choosing a fixed investment fund, the textbook will definitely say to choose stock-based and index-based funds with large fluctuations in performance. In fact, we will only choose funds with good performance and obvious money-making effect. In general, you need to do a risk test first, and choose the appropriate type of fixed investment fund (such as index type, stock type, mixed type or bond type, etc.). ) according to the results; Then, in this kind of fund, choose the flagship or star fund under the fund company with good brand (rather than large scale).