2. Fixed investment funds are stock funds and hybrid funds. Investment funds are risky and their returns fluctuate greatly, which is generally directly related to the rise and fall of the stock market.

3. The fund must be psychologically prepared for fixed investment. If it only invests for one or two years, it may lose money. Only long-term investment can ignore the fluctuation of the stock market. Historically, if you persist in investing for more than five years, the average annualized rate of return is nearly 10%.