Of course, there are gains and losses in buying funds, but in most cases, the risk of funds is less than that of stocks. Therefore, if you manage with your heart, you will definitely make money. Here are some suggestions for you:

1, pay attention to asset allocation, don't put all the active funds into the fund, you can choose other ways to make some investments.

2. Learn the basics. Fund companies mainly invest their funds in the stock market, so whether the fund can make money depends on the band operation with the stock market. A good band benefits.

3. Understand the market situation. There are many factors that affect the stock market, such as macroeconomic situation and regulatory policies, which will all lead to changes in the stock market.

4. Understand the fund's preference for heavy positions. Fund companies use large-scale capital operation and portfolio strategy to make profits. Judging from the data analysis over the years, fund companies did outperform the broader market, which is why everyone bought funds. Different funds have different preferences for heavy positions.

5, regular redemption, you can use the method of regular redemption to prevent and control risks, you can sell the fund to redeem the fund, thus leaving the risk to the fund company.

6. Work hard. As a way of managing money, funds must of course be managed with care to make a profit.

Money funds are the least risky and will hardly lose money. And the cost is still relatively low, and there is no trading cost. It is easy to cash and can be redeemed with money at any time.

The list of money fund income is available online, so you can choose. Alipay has many funds to choose from, and WeChat has many funds to choose from. It is very convenient to buy.

Bonds, except national debt, are at risk of default. Investors must buy at least 10 bonds to spread the default risk of bonds.

Bond funds can well spread the risk of bonds, and there is no cost in buying and selling. Interest income can be earned every month. For ordinary investors, buying bond funds is less risky and more stable than buying them alone.

Simply put, buying a fund is actually profitable, but the risk of the fund is much smaller than that of the stock. Therefore, making money is actually relatively easy. If you don't set your goals too high, there are still many opportunities. Of course, the smaller the risk, the more stable the relative income and the less you earn. If you don't want to take risks, you might as well choose some reliable and safe funds.