Theoretically, the stock position of index funds can generally reach more than 95%, and that of hybrid funds is generally above 65%, so the risk of index funds is higher than that of hybrid funds.

Judging from the past market practice, the performance of actively managed stock funds (including hybrid funds) in China has greatly outperformed that of passively managed index funds.

Of course, the performance of hybrid funds is very different, so we must choose the flagship fund under the brand fund company, so that the performance of hybrid funds can outperform index funds.

You'd better choose a mixed type in your situation.