The fund collects the funds of many investors and entrusts the fund managers to invest together, showing a feature of collective financial management. Can be understood as expert financial management. Funds are generally divided into money funds, bond funds, mixed funds, partial stock funds, stock funds and index funds. Among them, partial stock funds can be classified as hybrid funds and index funds can be classified as stock funds. Because the investment direction is different, the income and risk are also different. Different funds have different returns, and the same kind of funds have different returns at different investment points.

The income is proportional to the risk. The higher the income, the greater the risk.

Generally speaking, in the long run, the order of yield from low to high is: money fund, bond fund, mixed fund, partial stock fund, stock fund and index fund. Investors should decide the investment type according to their risk tolerance and investment demand. For risk aversion, it is recommended to invest in risk-free money funds and bond funds with minimal risk. For those who pursue high returns, they can invest in stock funds or index funds, but they need to bear the corresponding high risks. It is recommended to adopt the fixed investment method. The principle of fixed investment is to avoid short-term fluctuation risk with long-term sustained and stable investment. It takes time to digest the inevitable high-risk characteristics of high-yield varieties.

If you make a long-term fixed investment, it is recommended to choose an index fund with high returns but obvious short-term fluctuations.

Judging from the practice of foreign investment, the long-term return of index funds above 15 is higher than that of active stock funds.

Now in the bottoming stage of the market, it is at a relatively low level, which is a good opportunity for fixed investment.

China stock market has good investment value, or QFII is eager to expand its scale and enter the market quickly. Based on years of mature investment ideas and rich market experience in the West, they will never be aimless. Now that the market is in the process of bottoming out, a relatively low position is a good opportunity to open a position; Fixed investment index funds can obtain low-cost chips at a low level, laying the foundation for future market improvement and profitability.

Personally, I recommend Yifangda Shen 100 ETF index fund, with a 6-year income of 3 times.