If you want to make a long-term fixed investment and have not bought any fund products, you can choose an index fund. Index fund is a passive fund, which mainly tracks the index of the stock market. The fluctuation is relatively large, which is suitable for fixed investment every month and can dilute the cost. As long as the long-term economic situation improves, the income should be relatively stable, and it can be invested for 5 years or even 10 years or even longer.

Hybrid funds belong to active investment type, and the risk is not as big as that of stock type. If you do well, you can also get high returns. If you buy a fund at one time, you can also choose a hybrid fund managed by a large company to invest, and you can sell it if you achieve the expected psychological benefits.