1. Money funds have the least risk, so to speak, no risk and the least income, slightly higher than one-year time deposits, with an annual income of 2%-3%. Good companies include Huaxia/Nanfang, etc.
2. Bond funds are less risky and less profitable, but in 2008, the income exceeded the long-term deposit, and the risks to be avoided exceeded the time deposit. I suggest you buy bond funds, such as Bank of Communications to increase profits C (free subscription and redemption, good performance in 2008), Huaxia Bond A/B (Huaxia Fund, fighter in the fund), Guangfa Strong Debt (recommended by institutions), and CCB to increase profits steadily.
3. Hybrid funds mainly invest in stocks and bonds, which is risky. Some hybrid funds with better performance have far more income than equity funds. Investors can properly allocate positions and hold them for a long time. In addition, I would like to remind you that some hybrid funds with poor performance are worse than stock (index) funds, which means great risks. The recommended funds include ABN Amro risk budget, Bosera balanced allocation, Huaxia Return, AIA Growth, Morgan Stanley Resources, CITIC Bonus Selection, Huaxia Return No.2, Industrial Convertible Bond Fund, BOC China and Huaan Bao Li Allocation.
4. Stock (index) funds, which mainly invest in stocks, are risky. However, you can regularly vote for several stock (index) funds with good performance every month. It is recommended to make a fixed investment of 300-500 yuan every month. Recommended funds include Huaxia Market Select (subscription stopped), Rongtong Shenzhen Stock Exchange 100 Index Fund (back-end fee) and Guo Fu Tian Rui Stock Fund (back-end fee). Huaxia Renaissance (subscription stopped), ABN Amro Industry Selection, Golden Eagle Small-Cap, Optimized Growth in the New Century, Huaxia Bonus, China Post Core Optimization, Huaxia Small and Medium-sized Board, Huabaokang Consumer Goods, ABN Amro Hefeng Growth, ABN Amro Hefeng Cycle, Harvest Service, Wanjia Public, Huaxia Growth, Guangfa Small-Cap, Guotai Golden Horse Steady, Huabao Advanced Growth, Huaxia Industry Selection, Cathay Golden Eagle Growth, and Taixin Quality Life.