When choosing an investment fund that suits you, consider the following factors:Investment objectives - Determine your investment goals, such as long-term growth, income generation, or risk control.Investment risk - Assess your risk tolerance and select a fund with a risk level that aligns with your risk capacity.Fund types - Select funds that align with your investment preferences, such as stock funds, bond funds, or mixed funds offered by uSMART.

Factors such as market volatility and industry risks can affect market fluctuations, thereby increasing market risk and negatively impacting the value of the fund. Additionally, factors such as low market liquidity and redemption restrictions may prevent investors from buying or selling fund shares quickly, leading to higher liquidity risk. Furthermore, the investment decisions and performance of fund managers may not meet expectations, increasing management risk.

The uSMART app provides various indicators to evaluate the performance of investment funds, such as annualized return, cumulative return, and comparison with respective benchmarks. Users can also consider factors such as historical performance trends, risk-adjusted returns, and fee structures to assess fund performance or even the relevant fund managers' professional experience. Users can even watch videos introducing fund companies produced by uSMART in the app to gain a more detailed understanding of the fund company's background and past performance.

Fund fees include management fees, sales charges (such as sales commissions or front-end loads), redemption fees (such as redemption commissions or back-end loads), and other expenses (such as auditing fees and administrative costs). These fees are deducted from the fund's assets and may impact investment returns.