1. Equity funds: the risks and returns are close to stocks.

2. Bond funds: There is almost no risk, and the income is close to bonds.

3. Monetary Fund: There is almost no risk, and the income is slightly higher than the bank's current savings.

There are many discussions about general equity funds. It can be seen that stock funds are still related to the trend of the entire stock market. It is possible to earn 50%- 100% a year in a big bull market. But when the market is bad, it is not impossible for assets to shrink by half.

Bank wealth management products are generally used to issue new shares and investment bonds, and the risk is relatively small. The annual yield varies from bank to bank according to market conditions, but in recent years, the general yield is between 5% and 20%.

I personally suggest diversifying investment, and the funds invested by the fund should be prepared for long-term investment, because as long as the domestic economy improves for a long time, the upward pattern will not change, but there is still the possibility of shrinking funds in the short term.