Fund is a kind of investment portfolio in the capital market. Different types of funds invest in different combinations, and there is no need to configure them themselves. Just choose the right fund. It is better to invest in an index fund, because it follows the index closely. Not all stocks rise when the index rises, but most stocks fall when the index falls. It is relatively simple for index funds to only analyze the trend of the index.

If you want to allocate assets, you should choose a fund with stable income, not a stock fund, because there is already a fund with higher risk, and you should choose a monetary fund or a bond fund with lower risk. It is meaningless for the money fund to make a fixed investment, because the money fund is guaranteed to pay interest and pays dividends on a daily basis, and there is almost no risk. You should concentrate your investment on one point and attack one point with limited funds. If a lot of risks have been resolved, don't make repeated investments.