“到底应该怎样理财?”“什么样的理财法则最有效?”生活中我们经常会面临这样的问题,而其实,投资理财没有唯一准则,是因人因时而异的。因为随着生命周期的不断推进,人在一生中不同的时候所使用的理财法则差异巨大。而因个人的风险承受能力和理财性格的差异,适用的理财搭配更是大相径庭。但是不管怎样,随着市场经济和资本市场的不断发展和完善,股票和基金已经成为理财搭配中不可或缺的组成部分。其中,基金尤其是开放式基金作为最为常见的投资工具,具有组合投资、分散风险的优点,近年来受到国内众多投资者的高度关注。那么进行基金投资要注意哪些问题?投资者又改如何选择基金?对于新发行的和已发行的基金,我们该如何应对呢?让我们听听理财师们是怎么讲的。 “What kind of financial rules is the most effective? ” We often face such problems in life, but in fact, there is no single criterion for investment banking, because people vary from person to person. Because with the continuous advancement of the life cycle, the financial rules used by people at different times in their lives vary greatly. However, due to personal risk tolerance and financial differences in personality, financial management is more applicable with very different. However, as markets and capital markets continue to evolve and improve, equities and funds have become an indispensable part of the financial mix. Among them, the fund, especially the open-end fund, as the most common investment tool, has the advantages of portfolio investment and risk diversification. In recent years, it has been highly concerned by many domestic investors. So what should we do when investing in the fund? How do the investors choose the fund? How should we deal with the newly issued and the issued fund? Let us listen to the financial planners how to say.