You can say that the prospect of the current capital market is worrying because of the European debt problem, and you should buy pure debt funds in line with the investment principle of safety first. However, considering that China is the most dynamic emerging economy and its economic prospects are still confident, you should allocate domestic index funds. For the fund, it has certain investment value at any time. Considering the customer's demand for liquidity, add some money funds. In short, money market funds, pure debt funds and domestic index funds are all allocated in proportion, and deviation is nonsense. ........