Why risk profile before return
Most people start by asking who earned the most. This is an understandable question, but not enough. The first question should be how much risk you can and are willing to take.
A good risk profile combines financial ability with mental ability. You may have a long horizon, but if a 15% drop makes you pull in a panic, the track isn't really right.
Four basic questions
When will you need the money? Do you have an emergency fund? What is the size of the temporary loss you can tolerate? Is the money goal flexible or rigid?
These answers are more important than the track title. An equity track can be right for long-term money, but dangerous for money that will be needed in a year.
how to apply
After defining the risk, you can choose a track, compare management fees and check performance. The order of operations is important: first match, then compare.
You should return to the risk profile once every few years or after a life change: a child, an apartment, a change in income, approaching retirement or a change in health.