第一,认真筛选基金管理人。基金虽然是专家理财产品,但并非没有风险。在基金管理人管理和运作不善的情况下,仍然会出现基金套牢的情形。因此,投资者要有风险意识,要对基金管理人进行认真筛选,选择管理良好、运作规范、过往业绩优良的基金管理人。第二,眼光要长远。尽管基金产品会因净值的增长带来一定的短期投资机会,但基金作为一种长期投资产品,需要投资者在制定基金的投资目标及计划时能立足于长远,从而获取更多的投资收益。尤其是指数型基金,更适合保守型 First, carefully screen fund managers. Although the fund is an expert wealth management product, it is not without risk. In the management and operation of the fund manager is not good, there will still be stuck in the fund situation. Therefore, investors should have the risk awareness, we should carefully scrutinize the fund managers, choose well-managed, well-regulated fund managers with good past performance. Second, the vision should be long-term. Although the fund products may bring some short-term investment opportunities due to the growth of net worth, as a long-term investment product, investors need investors to gain more investment returns in the long run when formulating fund investment objectives and plans. In particular, index funds, more suitable for conservative