A: When it comes to selecting a fund, you will always read Past performance is not an indication of future results, can you believe that?

B: I will think about it.

A: If you refuse to take risk, you can't have better returns.

B: Maybe it is right since everything is possible. You know the market changes quickly these days. But I still have doubted those funds with bad stock performance. For me, his stock record is the very important criteria to decide which to buy. I really want to decrease the risk reach the minimum and achieve the maximum returns.