Funds are divided into stock types, hybrid types, bond types, currency types, etc.

It is classified according to the proportion of stocks held.

For stock-type funds, the stock holdings should be above 80%, for hybrid funds, stocks should be below 80% and above 20%, and for bond-type funds, stock holdings should be below 20% and bond holdings should be above 20%.

More than 80% of the money types do not buy stocks.

Therefore, the stock type changes the most. When the stock market is good, the gains are particularly large. When the stock market is not good, the losses are also large.

The currency type is relatively stable, and the income is very small, which is similar to that of banks. For example, Alipay, Baidu Wallet and the like are all currency types.

There is also an index type, where profits and losses change with the index.

Fixed investment funds must be fixed investment index or stock type.

Costs can be spread out.

With a capital of 300,000 yuan, the number of funds to buy depends on whether you have a plan to make money. If you don't use it for more than a year or two, just invest in stock or index funds every month. One or two funds are enough.

If you need to use money in the past year, you should directly buy currency or bond funds with the money you will use in the past year.

Just one.

Use the money you don’t need to buy index funds or stock funds.

One or two will do.