Capital preservation funds or convertible bond funds are safer, and hybrid funds can also be used. It is very important to choose a reliable and powerful fund company. Choosing a fund depends on the scale, strength, popularity, credibility, dividend-paying ability, profitability, ranking, yield and long-term trend of the fund company and its fund. Conservative investors can choose monetary fund in the short term, which is equivalent to 1 year bank time deposit, but they can redeem it at any time. Unlike bank time deposit, they will not withdraw the interest rate that becomes current in advance. Private equity funds can be considered for long-term investment, which has higher returns and lower risks. Fixed investment fund is a better investment and financial management method for office workers. Long-term fixed investment can effectively reduce investment risks and obtain higher returns. The fund is a long-term investment, and the short-term effect is not obvious, but the overall long-term investment return is more objective.