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How should the fund be allocated?
Investors can allocate funds according to risk tolerance and market conditions. In terms of risk tolerance, investors with low risk tolerance can allocate money funds, bond funds and FOF funds, while investors with high risk tolerance can allocate hybrid funds, stock funds and index funds, or allocate low-risk and high-risk funds to each other.

Market conditions: when the market conditions are good, you can allocate more stock funds and index funds; When the market is not good, you can allocate more money funds and bond funds.