Fund risks are low and stable returns are high, which can only be considered by money funds. The annualized rate of return of many money funds is 0.5- 1% higher than that of one-year time deposits. The fixed investment of the money fund is basically quasi-savings, and there is almost no risk, such as bank failure.

You can consider Huaxia cash increase, Guangfa currency, E Fund currency and so on.

Partial-share funds are risky, and the fixed investment time is short. There may be losses within 1-2 years. If the risk tolerance is low, it is not recommended to vote.

Then there are bond funds with relatively small risks. Bond funds are also divided into pure bond funds, primary bond funds and secondary bond funds.

Pure debt funds do not invest in the stock market, so the risk is relatively small, and they may get higher returns than fixed deposits and money funds. However, due to the relative decline in bond prices or price fluctuations in the convertible bond market, there may still be a decline in net worth in some periods.

You can only look at your risk tolerance and see if you will make a fixed investment, if you have to pay a handling fee for buying a fixed investment. Individuals do not recommend investing in pure debt funds.