基金投资该如何选择合适产品？

Group 1 - The core viewpoint emphasizes the importance of clearly defining investment goals before selecting fund products, distinguishing between short-term and long-term investment strategies [1] - Fund performance is a crucial reference factor, with past performance indicating operational capability, but it should not be the sole criterion for future expectations [1] - The risk level of funds varies significantly, with different types of funds (money market, bond, and equity funds) presenting different risk-return profiles, necessitating careful assessment based on individual risk tolerance [2] Group 2 - The capability and experience of fund managers are critical, as their investment strategies and decisions directly impact fund performance [2] - The strength and reputation of fund companies are vital, with stronger companies typically having advantages in research and risk management, which supports fund operations [2] - Financial界 serves as a professional financial information service platform, providing comprehensive and timely financial news and knowledge to investors [3]