In fact, your 160 is not much for this question. You can treat it as a learning process.

Funds are divided into several types, including stock funds, hybrid funds, bond funds, and currency funds.

Risks range from high to low, and returns also range from high to low.

But not everything is profitable.

For example, for stocks, you may see advertising that the return is 20%, but that is when the market is good, and when the market is bad, you may lose 20%.

Monetary funds are like Yu'ebao, which basically has no risk, but the income is basically fixed, about 2%-3% a year, not much.