The risks of stock funds and bond funds are very different. At present, the general direction of the stock market is not clear, and it is dominated by shocks. Therefore, if you buy a stock fund, its income will fluctuate greatly. If you invest most of your money in stock funds, when you need funds, you are likely to encounter a weakening market, and you will have to cut your meat, which is risky and unreasonable. Bond funds are relatively stable, and the income will generally grow steadily and slowly.

Therefore, personal suggestions: put the part that may become liquid into stock funds, and put the rest into stock funds. Pay attention to the money invested in stock funds in the near future to prevent the market from weakening and losing too much.

As for how to invest money, this should be combined with your own income and consumption. As long as the investment share is well allocated, nothing else is very important.