In terms of risk, bonds are the lowest, funds are moderate and stocks are the highest. How to choose depends on the risk tolerance of investors. Investors with low risk tolerance can choose bonds, higher ones can choose funds, and those who like high risks can choose stocks.

Risk is directly proportional to income, and the higher the risk, the higher the expected income. There are many types of funds, including low-risk and high-risk. Monetary funds have the lowest risk, bond funds belong to medium-low risk, hybrid funds generally belong to medium risk, and equity funds and QDII generally belong to high risk.