First of all, you should make sure that this 20,000 yuan is idle money, and you can't use it for a long time, so as to avoid thinking about spending money when you are short of money, and you can't achieve the purpose of investment at all.
The return is proportional to the risk. If you don't want to take too much risk, you should pay more attention to debt-based and goods-based funds, but the yields of these two types of funds are also very low, not much higher than bank deposits. If you can bear greater risks, you can buy stock bases and get higher returns, but only if you choose the right one. And in order to spread the risk, I suggest you spread 20 thousand yuan to two or three funds. You can look at the ranking on Morningstar website and choose a better fund.
However, even if you buy a five-star fund, you can't make money 100%. After all, the fund is linked to the stock market, and past performance does not mean that this year will be good. The crazy bull market in 2006 made many citizens make a lot of money, and attracted more people to join the frenzy in 2007 (I joined at the end of 2006 and once thought of making a fortune by the fund). But there can't be the same skyrocketing this year as last year, otherwise too many bubbles will burst sooner or later. Playing with funds is a long-term thing. If you play short-term like stocks, I'm afraid the money you earn is not enough to pay the handling fee.
Among the funds I have contacted, I personally think that the investment is good and more responsible; The rich country Tianyi said it was very good last year, but it seems that it can only be said that it is ok this year; Tianhui is too slow. Redemption after two months, investment 1 ten thousand, increased by more than 300. After redemption, I was deducted more than 200 yuan in handling fees, so I was so angry that I never paid attention to it again. In fact, the stock base of Haifutong has risen well, but I don't know why I always pay dividends and hold Mao Mao's share in my heart; Jiashi is too fat, just like a big fat man, so fat that I am worried that one day I will be planted on the thick fat all over my body. My family also bought funds under my influence, but out of typical super rookie psychology, I only bought two low-net-worth funds-Huaxia Growth and Baokang Flexibility. It has been more than two months, and they are not doing well. I wonder if they will get better in the future. As for other funds, I haven't bought them. I just listened to other people's discussions, so I won't say much here.