the fund is good. There are several types of open-end funds: currency, bond, capital preservation and stock. There is no redemption fee for monetary funds, and the income is equivalent to six-month to one-year deposits, which can be redeemed at any time without losing money. The subscription and redemption fees of bond funds are relatively low, and the income is generally greater than that of monetary funds, but there is also the risk of loss, and the loss will not be great. Stock-based funds have the highest subscription and redemption fees, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but if the stock market rises, there will be gains. Through long-term investment, the average annual return of stock funds is about 18%~2%, and the average annual return of bond funds is 7%~1%.