Choosing three funds can be divided into high-risk, medium-risk and low-risk funds, and investors can allocate assets according to their investment preferences and market sentiment.

If investors have a high degree of risk preference and the market sentiment is stable, investors can invest in high-risk, medium-risk and low-risk funds according to the ratio of 5: 3: 2. If investors' risk preference is low, the allocation can be reversed, and the proportion of low-risk funds allocated by over-conservative investors can be increased by themselves.