2. If you are a conservative investor and want to keep the principal, you can choose a money fund and buy it with a newly issued capital preservation fund during the subscription period. The income of such funds will be higher than that of time deposits. The capital preservation fund works well, and historically, it will have higher income than the money fund, because it has current time requirements and low liquidity. During the insurance period, it can invest money in assets with a longer term than the money fund, so it can get higher returns.

3. If you are a stable investor and don't want to fluctuate more than 5% every year, you can choose bond funds and some funds with large fluctuations in target risk, or choose some stable FOF portfolios to participate in the investment.

4. If you are a balanced investor with a fluctuation of 15-35%, you can pay attention to some funds with balanced allocation and excellent medium-and long-term performance managed by fund managers and some excellent bond funds for matching investment. Guotai Juxin (000362) managed by Chengzhou, Hongde You Xuan Growth (00 1256) managed by Wang Keyu and Huaxia Income (288002) managed by JUNG WOO. You can also choose some well-managed enhancement indexes or quantitative funds, such as Southern I300(00 1420), Jing Shun Great Wall CSI 300 Enhancement (00031KLOC-0/) and Guo Fu CSI 300 Enhancement (10038).

5. If you are an aggressive investor, you can bear more than 35% ups and downs. You can choose some growth style funds, or you can choose some industry funds with low industry valuation or rising potential in the market outlook. The latter has higher professional requirements for investors. You can also pay attention to the competition of Sina Fund Office, become an account opening user of Sina Fund, and pay attention to the selection dynamics of relevant outstanding players. For the former, as far as the current market is concerned, the overall valuation of growth stocks is still not low. Under the background of accelerating the issuance of new shares, the overall risk of growth stocks is greater than the income. However, after adjustment, the valuation advantages of some growth stocks have already appeared. It is a good way to choose a growth stock fund with excellent stock picking ability, and buy it sharply or make a fixed investment.

6. At present, there is another kind of fund that is welcomed by the market, that is, quantitative fund. Quantitative funds perform well in volatile markets and have a good rate of return in bull markets, but they will also perform poorly in unilateral declines. Judging from the last bull-bear cycle, the long-term performance of quantitative funds is quite good. At present, quantitative funds are very popular, and the scale of funds is growing rapidly. It should be noted that some of the increase in the yield of quantitative funds may come from these newly purchased funds. When the market turns into a unilateral decline, we should also be alert to the risk that the subscription funds cannot be continued and the yield will drop sharply due to redemption. You can invest some money in excellent quantitative funds.