It is best not to choose low-risk funds, such as money funds, bond funds, capital preservation funds, and mixed funds with partial debts. Although these funds have low risks, their returns are not high, wasting time and money. Because a major feature of fixed investment is to rely on long-term continuous investment to dilute costs in order to obtain the average income of market growth. This kind of investment attribute needs to choose those fund varieties with certain risks, but the investment income can make a big leap in the future. Like stock funds and index funds, it is possible to generate higher investment income in the future, which is most suitable for fixed investment.