Investors should have their own opinions when choosing funds, and choose investment products that suit them according to their risk tolerance. Any best fund recommendation is the most beautiful lie. If your risk tolerance is high, you can choose index funds such as Harvest 300 and South 500, so as to maximize market returns. If your risk tolerance is average, you can choose Huaxia Bonus, Harvest Theme, E Fund Value Growth, Guo Futian Rui and other hybrid funds. You can also get better market returns. If you have no risk tolerance, you can buy some government bonds or bond funds, such as Dongfang Steady, Huafu Income, ICBC Tian Li, etc. And you can get a market return of more than 6% every year. To buy a fund with good returns, we must pay attention to: first, choose a fund company with good performance and choose a good fund variety in this good fund company, such as Huaxia, Yifangda and Jiashi in China at present. Rich country fund companies are all top fund companies, and their products can generally outperform the broader market. Now Huaxia Bonus, E Fund Value Growth, Harvest Theme, Harvest 300 and Fuguo Tianrui are all good fixed investment varieties. Second, we must choose the right time to buy. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money.