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which trigger to use

What trigger we have to use if we want to insert, update any record into “Account”?
Think this way....

A trigger is a program that run because of an action on a specific record.  So, if you want to INSERT a record to Account - what "triggers" that event?  A Lead conversion?  A closed-won Opportunity?  - In that case the trigger would be on those objects.  If you want to do something to the Account record when the account record is updated - then you would have an Update trigger on Account.

Hope that helps