ICBC's funds are all open-end funds that fund companies entrust banks to sell. The risk return from high to low is stock type, mixed type, bond type and currency type. So there is no low-risk and high-yield investment. In the case of long-term fluctuations in the stock market, choosing a more flexible hybrid fund is a better choice. Huaxia Return, Huaxia Return No.2, Huaan Bao Li, Guangfa Domestic Demand, Guofu Taihui and other funds are all mixed funds with stable trend, high returns, relatively small risks and moderate returns. Regardless of fixed investment or one-time bargain-hunting investment, the above funds are the better types of funds that can be selected at present. Fixed investment fund is a long-term investment. Choosing a relatively low position at present to start a fixed investment will have a better return on investment in the future. One-time investment 1000 yuan. Fixed investment will start every month 1, 00-300 yuan. For short-term investment, it is best to choose Huaxia Cash Profit-increasing Monetary Fund. This is a risk-free and cost-free investment. The annualized rates of return for the last four weeks and seven days are 4.067%, 4. 158%, 4.427% and 4.425% respectively. Far higher than the bank's fixed one-year deposit rate. This monetary fund has a good long-term trend and ranks high every year. At present, the fund is at a relatively low level, which is a good time to invest on dips or invest in funds. Don't worry too much about short-term shocks, there will be a better return on investment in the future.