1. The risk of money funds is almost zero, but you must choose reliable money funds, such as Huaxia Money Market Fund. It is estimated that the average annualized income is about 3.5-4.0%, and there is no handling fee for subscription and redemption. The redemption time is generally 2 natural working days.

2. Generally, the annualized income of bond funds is around 5-6%, but there is often a handling fee for subscription and redemption, which may fall after buying, and it often takes a long time (several months to a year or so) to make a profit. The income of bond funds is calculated according to the net value of funds. For example, if you buy 10000 bond funds, the net value is 1. 1, and the income when you redeem the funds is = (1.2-1.1) *. Last year, bank interest rates fell, and bond funds were very popular. The annualized income of well-run debt base can reach 10- 15%.

3. Both hybrid funds and equity funds are risky and follow the stock market. The stock market may only go well for a few months this year, so these two funds are relatively hanging and not suitable for you.