回复：我问过理财顾问这个问题，像我这样的投资者，买index fund 不就行了？

You can try to pick the fund by yourself by looking at the fund return during the past 1, 3, 5 years. But it does not guarantee the future performance. How does she know which fund is good? She will do the same by looking at the past performance to recommend the fund to you.