When investing in a fund, you must first determine the investment time, which is about a few years. The length will affect the choice of the fund, that is, the choice of fund type. Because of the inherent characteristics of the stock market, a large cycle lasts at least 5-7 years. Therefore, if you choose a stock-oriented short-term fixed investment, it is a high probability that you will lose money at maturity if you are unlucky and catch up with the down cycle.

So.

If it is a short-term fixed investment of 1-3 years, it is recommended to choose a bond fund, and ICBC Tianyi B and E Fund Steady Income A are recommended.

If it is a medium-term fixed investment of 3-5 years , you can choose bond funds, as above, or you can try to choose balanced funds. Baoyuan Bonds in the South is a good choice.

If it is a fixed investment in 5-7 years or even further, you can choose balanced funds, as above, or you can try to choose hybrid funds, such as Harvest Growth, GF Jurui, Core and so on. All good.