From high to low, the risks and returns of open-end funds are stock type, mixed type, bond type and currency type. You can choose different types of funds to invest according to your financial situation and risk tolerance. High risk breeds high return. There is no low-risk and high-yield fund. Short-term unused spare money can be put into money funds, such as Huaxia Cash Increase Money Fund, whose yield last year was higher than the one-year interest rate of bank deposits. Since the beginning of this year, the annualized rate of return has reached 5%, which is similar to the bank's three-year deposit rate. This is a risk-free and cost-free investment. 1000 yuan to start, 100 yuan can be put in the future. You can take as much as you want at any time without losing your investment income. Long-term unused spare money can be invested in fixed investment funds. Take out the funds around 300 yuan every month, and choose to start fixed investment now, and the long-term fixed investment income is also good. You can choose a hybrid fund with relatively small risk, steady trend, high ranking and moderate income, such as Huaxia Return and Huaan Bao Li.