You won't owe money. It is a good way to manage money that fixed investment funds regularly invest in open-end funds. But there are risks (you may lose money), but compared with stocks, the risks are obviously lower. You should also pay attention to the choice of funds when investing in fixed investment. If the investment is long-term, such as ten years, then choose those with slightly greater fluctuations, and get opportunities after buying low, and the room for growth will be much larger. For short-term investments, say, three years or five years.