It is recommended to choose high-risk funds to invest. It is best to choose a fund with large fluctuations in net value, because a fund with large fluctuations has more opportunities to accumulate more low-cost fund shares in the stage of falling net value, and can make quick profits when the market rebounds. Among all kinds of funds, equity funds are more suitable for fixed investment business, such as Guangfa Jufeng, Guangfa Small Cap and Guangfa Jufu Fund. Because this method makes use of the time compound interest effect to make long-term investment profits, it does not need to choose the timing of entering the market, and it also disperses the short-term risks of long and short stock market and fund net value fluctuation.