Index funds generally need to have good risk tolerance. Of course, compared with stocks, index funds have the advantage of diversifying risks. Index funds widely diversify their investments by tracking indexes. The fluctuation of a stock can not cause the overall fluctuation of index funds, so on the whole, index funds reduce the overall risk. The same is true of Tian Hong Index Fund. Fortunately, the risk control system of Tian Hong Fund is relatively perfect, and the investment risk is reduced through the big data research platform. However, for the elderly, I still suggest buying currency or bond products, or pension products in Tian Hong Fund. Low risk. The pension you have worked hard to save all your life must be carefully invested to ensure happiness in your later years. However, many elderly people have been in the market for decades and have a certain level of investment and technology. In the choice of fund varieties, Tian Hong series index funds are still very good.