It is best not to buy stock funds when the stock market plummets, so investors should avoid risks and wait until they fall to a low level before buying. Because when the stock market plummets, most stocks are falling, and the fund's income will be very poor.

However, investors can buy money funds or bond funds. Money funds mainly invest in the money market, with less risk, while bond funds mainly invest in bonds. Unlike the stock market, these two markets are generally not affected by the stock market and can play a role in diversifying risks.