Debt funds are divided into many types, including pure debt funds, primary debt funds, secondary debt funds, and convertible bond funds. Among them, convertible bond funds are not suitable for fixed investment due to the equity nature of the investment targets and are relatively flexible, so they are not suitable for fixed investment for savings needs. The remaining pure debt funds, primary debt funds, and secondary debt funds have increasing risk preferences in sequence. Investors can Select funds for fixed investment based on your own risk appetite.