Personally, I think it is an index fund, especially an index fund with large fluctuation (beta coefficient reflects the sensitivity of fund return rate relative to benchmark return rate. If the absolute value of the beta coefficient is greater than 1, the volatility of the fund is greater than that of the performance evaluation benchmark, and vice versa. ) fund.

Fixed fund investment refers to investing in open-end funds with a fixed amount within a fixed period of time. Investors' choice of fixed investment index funds or fixed investment hybrid funds needs to be comprehensively considered according to investors' preferences, risks, returns, market conditions and other factors.

Hybrid funds are funds that simultaneously invest in stocks, bonds and money markets; An index fund is a fund product that takes a specific index as the underlying index, such as the SSE 300 Index, takes the constituent stocks of the index as the investment object, builds a portfolio by purchasing all or part of the constituent stocks of the index, and tracks the performance of the underlying index.

Compared with the two, hybrid funds are less risky and have lower returns. For some more radical investors, you can choose to invest in index funds; For some conservative investors, you can invest in hybrid funds.

From the market situation, if the stock market is in a bull market for a long time and the index rises slowly, then the profitability of fixed investment index funds is higher than that of fixed investment hybrid funds; In the long bear market, the index has been falling continuously. Compared with index funds with fixed investment, hybrid funds with fixed investment are less risky.