I am an account manager at a securities company.

Normally, investors generally recommend hybrid funds. The advantage is that when the stock market is good, the fund's positions are mainly in stocks, and when the stock market is bad, the fund's positions are mainly in bonds.

However, I suggest you buy private equity funds, because private equity funds are small, usually around 200 million, and when the market is good, they far outperform public equity funds.

When the market is bad, you can short all positions without losing money.