Fund is a kind of wealth management product popular with investors, which can help retail investors spread their risks and enjoy the investment services of professional fund managers. But buying a fund to make money is not a simple matter. Retail investors need to pay attention to the following aspects:

1. Understand the types and characteristics of funds. There are many kinds of funds, such as stock funds, bond funds, mixed funds, currency funds and index funds. Each fund has its own investment scope, risk-return characteristics and cost structure. Before buying a fund, retail investors should first understand their risk preference, investment period, expected income and other aspects, choose a fund that matches their actual situation, and carefully read the fund contract and prospectus to understand the details of the fund purchase and redemption rules.

2. Choose excellent funds and fund managers. The fund's performance and risk control level directly affect investors' income. When purchasing funds, retail investors should comprehensively examine historical performance, similar ranking, risk-adjusted rate of return, fund withdrawal and other indicators, and give priority to those funds with stable and excellent performance. In addition, we should also pay attention to the background, investment style and market reputation of fund managers, and choose fund managers who are capable and in line with their own preferences.

3. Pay attention to the transaction cost of the fund. Trading funds generally have fees, including subscription fees, redemption fees, management fees and custody fees. These expenses will directly affect the actual income of investors. When purchasing funds, retail investors can give priority to low-rate funds and use some preferential purchase channels to reduce transaction costs.

4. Choose the right investment method. There are many ways to invest in funds, such as one-time investment, fixed-term investment and fixed-term investment. Different investment methods have their own advantages and disadvantages, and retail investors should choose according to their own financial situation, market conditions, income targets and other factors. For retail investors who want to make long-term investments, the fixed investment of the fund is a good way to share the cost of capital and avoid short-term fluctuations.