First of all, I would like to remind you:

If you buy a fund, you will lose your principal. Don't invest your precautionary savings in high-risk capital markets, let alone invest with mortgage.

Stock-based funds have high risks and high returns, followed by mixed funds, bonds, and finally monetary funds. You can choose several types of funds according to your own situation. Most of the money you have not used for several years will be held in stock-based funds for a long time, while a small number of funds will be held in bond-based funds for a long time, and the money you have not used for a short period of one or two months will be bought in monetary funds (which is equivalent to using the current account to get regular benefits without paying taxes).

I suggest that you mainly invest in bond funds, and a few can invest in stock funds. After all, it is the money to buy a house, and you should not invest more in stock funds. If the stock market is not good in the second half of the year, you may lose your principal. It is suggested that the stock type (including hybrid type) accounts for 2% at most, the bond type accounts for 7%-8%, and the currency type accounts for 1%-%.

stock funds are recommended: Shangtou Advantage (3751), Guangfa Small-cap Growth (16273), Great Wall Jiutai (22), Penghua China 5(1665) and so on.

If you want to hold it for a long time, I suggest you buy a back-end fund, so that you can avoid subscription and redemption fees in a few years. I suggest buying a fund instead of selling it at a high price and buying it at a low price like a stock. Holding it for a long time is more expensive than doing it for a short time. I haven't redeemed it once since I bought the first fund (except for monetary funds).

Recommended bond funds: Changsheng Bond Back-end (5118) and Yinhe UnionPay before earnings (1512); After the income of Yinhe UnionPay (15112), Harvest Bond (7)

The monetary fund: Southern Cash Zengli (2231) has no subscription and redemption fees.