Most of the positions of partial stock funds are allocated with stocks reaching about 80%, and some even reach more than 90%, which is highly correlated with the index with high returns and high risks. The target of bond fund investment is mainly national debt, and the income is fixed but not too high. Investing in stock funds and bond funds is also strategic. When the stock index is high, such as June 2007 10, it is no longer suitable for investing in stocks. By then, if you invest in bonds, you will get more than 10% in 2008 to avoid the risk of stock decline.