Liao Shuai, an expert from Zhonglu Fund Research Center (Fund Trading Network): Dear Peng Ya: Hello! The advantage of buying government bonds is that the income is stable and predictable, and the disadvantage is: 1. The yield is low, and now the yield of three-year government bonds is about 4%; 2. Low flexibility. Generally speaking, individual investors must hold the maturity, and it is more difficult to cash in if they need temporary capital turnover. If your investment cycle is three years, it is recommended to buy a combination of China Merchants Industrial Bond and Pure Bond. The average annualized income is higher than the national debt. If the position has been held for more than three years, it can be redeemed at any time when necessary. Liao Shuai, an expert from Zhonglu Fund Research Center: Dear y05568 1: Hello! You can consider turning into a rich country, which belongs to a partial stock fund and has a very stable investment style, which is very suitable for the attention of stable investors; Most of its stock positions are kept at about 70%, and the investment risk of the fund is controlled by low stock positions, supplemented by appropriate bond investment, so as to improve the profitability of assets; In the allocation of industries and individual stocks, maintaining balance is the consistent risk of the fund, trying to reduce the linkage risk of the fund in market fluctuations through balanced and decentralized asset allocation; At the same time, the fund has good stock selection ability. Cheng Feng, an expert from Zhonglu Fund Research Center: Dear cathy223: Hello! Jing Shun Great Wall Preferred Stock is recommended. The stock position of the fund is generally around 75%, and the bond position is generally around 20%. The stock position is medium, and it does not prefer timing, supplemented by bond investment, to enhance the portfolio income. A stable large-scale configuration style contributes to its stable performance. Excellent ability to judge industry trends and explore individual stocks is the driving force for its leading performance. Since the current fund manager took office (since 2012.01.17), his performance has been in the top 5%, 5% and 10% this year and in the last three months, with moderate income fluctuation and excellent performance. 4. Basic citizen "lrslrs": a good teacher. In 2007, I bought my brother's 4,000 Oriental Select, with a profit of 20%. Jing Wong, an expert in the research center of Bosera Select Zhonglu Fund: Hello, Oriental Select has reduced its holdings, Bosera Select has been converted into pure Bosera credit bonds, and Cathay Pacific Jinniu Innovation has been converted into Cathay Pacific Jinlong bonds. 5. Ji Min emerald bay: Hello, teacher! In recent years, Cheng Feng, an expert who has been investing in the Southern CSI 500, Harvest Growth and Nuoan Golden Middle Road Fund Research Center, dear jadebay, hello! The price of gold is greatly influenced by the external market, but at present it has fallen to near the cost price. For long-term investment, it can reduce the average cost and diversify the risk of investing in the domestic market. It is suggested to consider using Shangtou Xinxing or Guangfa Jurui to replace the Southern CSI 500. Cheng Feng, an expert from Zhonglu Fund Research Center: Hello! UBS, the investment bank of SDIC, mainly invests in blue chips, and may consider redemption.