Bond funds are suitable for conservative investors or the elderly. Because the income is low, the amplitude is small, and the risk is relatively small. Bond funds are not guaranteed. Monetary funds are free of handling fees, equivalent to one-year time deposits in banks. The money deposit bank seems to protect the capital, but in fact it will depreciate. Therefore, there is no capital preservation investment at present. Investment is risky. High risk breeds high returns. At the current low point, investing in several better funds is the real capital preservation. And the investment will have a higher rate of return. For example, last year's fund champion, the stock-based Chinese businessman Shengshi, grew up with an annual yield of 4%. At present, the better Hua 'an Baoli Fund has a yield of 22,54% in the past year, ranking first among hybrid funds. Therefore, at present, if you choose a better fund variety to invest, you will have a higher return on investment.