At present, the whole economic situation is uncertain. From the perspective of the industry, there are two main voices. One party thinks it is a low point in the market, but now it is relatively safe and the whole market is cheap. If you are a long-term investor, you have a certain tolerance for risks. Whether it is an education fund or a pension fund, it is ok to choose some stock funds now. But if your risk tolerance is weak and you can't tolerate losses, the main purpose of investment is to preserve value, so don't think about it for too long. You can consider bond type or capital preservation type. But if you will use your money in a short time, such as getting married, it is suggested that you can allocate some bonds and currency. Monetary fund mainly provides a new means for short-term cash management, which can be used as a bank deposit, but the withdrawal is more flexible.