A recent survey by the central bank showed that: the investment enthusiasm of urban residents for funds has refreshed the historical record for 6 quarters in a row, and this year in the third quarter, residents' investment preference for funds was significantly higher than stocks. For this, Zhang Jia bin, chief marketing officer of Xincheng Fund Management Co., Ltd., said: "The transformation from depositors to fund investors is a conceptual progress. However, it is still a bit irrational for people to rush into the fund market. There is nothing wrong with investing in funds, but one must understand that funds are a financial management method, not a tool for getting rich quickly in the short term. So when anyone asks me if they should buy funds now, I will say: if you don't need your money within a year, of course you can buy funds. When choosing funds, investors should consider their own specific situation and risk preferences, choose the appropriate type of fund for themselves, and also pay attention to the allocation of fund investments."