There is no best fund, only the one that suits you best, and this one only needs to be found by yourself, so we suggest investors: Step 1: Understand some basic knowledge of funds. For example: the concept, category and cost of funds. These can generally be learned in the investor education park of fund companies, for example, the knowledge base column of Changsheng website is the corresponding section. Step 2: Examine your risk tolerance. As the saying goes, know yourself and know yourself. Choose products within the risk tolerance range, so that investment will not become your burden. If you want to know your risk tolerance, investors can determine it through the fund risk tolerance test published on the websites of various fund companies. Generally, from low to high, there will be at least three grades of conservative, steady and positive, and some will reach five grades, which will increase the risk tolerance lower than conservative safety type and higher than positive enterprising type. Step 3: Determine the type of fund to be purchased. Because different types of funds have different ratios of risk and return, investors should be clear about what kind of fund products they should buy when investing in funds. From high risk to low risk, fund types are divided into stock type, mixed type, bond type and currency type. Investors should decide according to their own risk tolerance and investment period. For example, short-term investment is best based on currencies with weak volatility; For long-term investment, customers with high risk tolerance can choose stock type or mixed type, and customers with low risk tolerance had better choose bond type. In addition, due consideration should be given to the market performance during the investment period. For example, if you are optimistic about the future market, you can consider increasing high-risk and high-yield funds such as buying stocks. Step 4: Determine several candidate products. When determining the type of fund to invest in, the corresponding fund type can be selected from the rating tables of third-party rating agencies such as Galaxy Securities. There will be many assessment items in the scoring table. At present, everyone is more concerned about the comparison of past performance. Here, I hope everyone will ignore the short-term net fluctuation and pay attention to the long-term income. Step 5: Finalize the investment products. When comparing several products, you can consider the situation of fund companies and services. The first time you see a fund company, you may find it difficult to judge. Let's talk about a few first: You can check the establishment time of the fund company, the strength of shareholders, and whether the operation is standardized (whether there are irregular behaviors in recent years, etc. ), the overall performance of the fund, whether the product line of the fund is complete, and the stability of the fund manager. As for the service, you can know the service content provided by the fund company through its website or customer service hotline. Good service can let customers know the changes of the fund in time.