(1) harvest fund series: Harvest Growth (stock type, with very good investment recently), Harvest Growth (stock type, with good investment last year and the first quarter of this year), Harvest Bond (ranked as the best bond fund in China in recent months), Harvest Currency (new monetary fund, with poor investment);

(2) E Fund Series: E Fund Strategy (stock type, with good recent investment), E Fund Steady (stock type, one of the funds with the highest cumulative income in China, with upper-middle recent investment) and E Fund Currency (new monetary fund, with poor investment);

To invest in open-end funds, it is best to choose brand series, because fund companies often offer fund discounts or fee-free conversion in their own names.

Investors can buy stock funds when the stock market is good, and turn into bond funds and money funds when the stock market turns into a bear market, thus reducing the loss of handling fees.