Pay attention to buying funds: first, understand the risks of funds before buying. There are many funds in the market, which can be roughly divided into money funds, bond funds, hybrid funds and equity funds. The risk from high to low is stock fund, hybrid fund, bond fund and money fund. Then buy according to your risk tolerance. If you can't bear a little loss risk and don't have the patience to hold it for a long time, it's best to buy only money funds and pure debt funds, so the risk you need to bear is the lowest. After buying hybrid funds and equity funds, you need to bear the necessary loss risk and choose redemption or conversion at the right time.