Index funds and stock funds are both equity products. You are an index fund and the current market is relatively low. In fact, it is not recommended to make these high-risk equity products. If it is a fixed investment, unless you have decided to make a long-term fixed investment, such as 10 years or more, and will not break halfway, it is generally not recommended to make a fixed investment in index funds. The current economic cycle is in recession, and this cycle pays more attention to fixed-income products, such as money funds and bond funds.