Aggressive investors had better choose index funds, but investors had better have their own opinions when buying funds, and choose suitable investment varieties according to their risk tolerance. Those with high risk tolerance can buy index funds, those with general risk tolerance can buy hybrid funds, and those without risk tolerance can choose bond funds. Investment funds must pay attention to good returns: first, choose a fund company with good performance, but also choose a good fund variety in this good fund company. For example, Huaxia, Yifangda, Jiashi and Xingye are all top fund companies in China, and their products can generally outperform the market. Now Huaxia Bonus, E Fund 100ETF and Harvest 300 are all good investment products. Of course, the safest margin is a closed-end fund with a high discount. At present, 18699 and 500056 are discounted by more than 20%, which is the first choice for steady investment and long-term investment. 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. Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, the risk of investing in funds around 3200 points in this area is not great, but the area around 5000 points belongs to high-risk areas, so it is right to end the long-term investment and redeem it at any time. It is best not to distinguish between long-term and multi-year, but to treat low-risk areas and high-risk areas differently, which is the foundation of profit.