Investors can choose the right fund according to their risk tolerance. Investors with low risk tolerance can choose money funds and bond funds, while investors with high risk tolerance can choose mixed funds, stock funds, index funds, ETF funds and linked funds.

Risk is directly proportional to reward. The lower the risk of the fund, the lower the expected return of the fund. The higher the risk of the fund, the higher the expected return of the fund. Investors can choose funds by combining risks and returns.