It is best to choose index funds for initial fixed investment. First of all, index funds track specific indexes, which reduces the risk of stepping on mines. Secondly, index funds pursue market returns, and they can get more objective returns when the market is good. Finally, index funds are passive funds and will not make wrong decisions because of the subjective factors of fund managers.

Index funds take a specific index as the tracking object and buy all or part of the constituent stocks in the index in order to obtain the same income as the index.