fund financing can be adopted.

1. Determine what type of fund to buy according to your investment objectives and income risk preference. Classification of funds: stock funds mainly invest in stocks, with high returns and high risks; Bond funds mainly invest in bonds, with low returns but low risks; Allocated funds are relatively flexible between stocks and bonds, so the risks and benefits are relatively middle; The security and liquidity of money market funds are relatively high; Capital preservation funds have special guarantee clauses, and investors can enjoy the guarantee of investment and even income after meeting the conditions of capital preservation cycle. As for the subscription fee, subscription fee and redemption fee, it depends on the rate level charged by the specific fund sales channel.

second, choose a fund and build a fund portfolio composed of multiple funds, which varies from person to person. Because everyone's risk tolerance, investment cycle and investment goal are different. If you have determined the investment amount and hope to achieve an annual rate of return of 2%, then it is best to pay attention to stock funds or allocation funds, because these two types of funds have higher returns, but the corresponding risks are also relatively high, especially stock funds. If the risk tolerance is poor, you can pay attention to bond funds and money market funds, and capital preservation funds are also a good choice. However, it should be remembered that only when the capital preservation fund meets the conditions of capital preservation cycle can it enjoy the protection of principal or income. If you just want to find a way out for temporarily idle and non-emergency funds, then money market funds are a good choice.