Funds are generally divided into money funds, bond funds, mixed funds, partial stock funds, stock funds and index funds. Among them, partial stock funds can be classified as hybrid funds and index funds can be classified as stock funds. Because the investment direction is different, the income and risk are also different. Different funds have different returns, and the same kind of funds have different returns at different investment points.

The income is proportional to the risk. The higher the income, the greater the risk.

Because inflation is serious now, we can only increase the value through reasonable financial management.

The principle of fixed investment is to avoid short-term fluctuation risk with long-term sustained and stable investment. By amortizing the long-term costs, we can get considerable long-term benefits. If it is a fixed investment, you can choose the variety index fund with the highest target income. Index funds have already optimized the target, and then used time to digest the inevitable high-risk characteristics of high-yield varieties.

In addition, it is best to choose a fund with back-end fees, so that there is no handling fee when you buy it every month. In the long run, you can save a lot of handling fees, and then turn cash dividends into dividends and reinvest them. If the fund pays dividends, the fund company will buy dividends again. This part of the fund has no handling fee, which increases the fund share and reduces the fund cost. It is best to choose a fund company with great strength and good overall benefits. Personally, I recommend to invest in E Fund's flagship product: E Fund 100etf index fund, which has tripled in six years and is worth long-term investment.