1. Differentiate the types of funds. Different fund types can invest in different fields, such as stock funds investing in stocks, bond funds investing in bonds, money funds investing in currencies and so on. There are also funds from different investment regions, such as global, Asian, European, American and domestic investment funds. There are also funds in various industrial fields, such as high technology, mineral resources and biology. You can combine different investment fields. Therefore, different fund types and combinations will have different effects on the characteristics, functions and effects of the income of the invested funds. Therefore, it is necessary for investors to clearly understand the investment fields of funds and the characteristics and effects of their income, so as to choose the fund that suits them. 2. Carefully select excellent fund management companies and fund managers. As we all know, a fund is jointly managed by a fund manager and a fund management company. The investment management level of the fund manager will directly affect the fund's rate of return, but the fund management company is more important because the fund manager is managed by the fund management company. Excellent fund management companies can find more excellent fund managers in the market, with standardized and scientific management, guidance and assessment mechanism.

A good fund management company, even a good fund manager, can still find an excellent fund manager to take over, so as to ensure that the fund management level of the company will not change much. However, it is still difficult to track the investment of fund managers for a long time.

Investment funds are generally based on the long-term, so the quality of fund management companies is generally more important than the level of fund managers.

3. Pay attention to the investment opportunity. Except for funds with little fluctuation, such as bonds, investors still need to pay attention to investment opportunities for funds with large fluctuation and significant growth potential. Seizing the opportunity is an extremely important investment behavior, and it is an important part of investment. For stock funds, the impact of investment timing on the rate of return is significant, but for bond funds, the characteristics of investment timing are not so obvious. Usually, the earlier the investment, the higher the return. For most people who don't have professional investment knowledge, it is a good investment strategy and method to adopt a regular and quantitative investment method for stock funds every month (that is, the cost average investment method).