First of all, funds don't just buy. There are many fund companies and many varieties. Funds are divided into stock type, mixed type, bond type and currency type. It depends on what kind of fund you want to choose. Stock type: high return and high risk, low monetary return but no risk. The risks of various funds listed above are from high to low, and the returns are also from high to low. Personal experience is that it is not good to buy some money funds now, with a 4% return. I hold Huaxia cash for a long time, and the income is very good, which is higher than the annual electricity deposit in the bank. Moreover, there is no handling fee for buying and selling, and it is very convenient to redeem it for two or three days at any time. Other types of funds charge fees. When the market is adjusted to about 2 100, you can buy some stock funds. The timing of buying stock funds is crucial. Buying at a high level will cover you for a while, and I hope it will help you.