Generally speaking, a slightly higher proportion of stocks in the fund means that the fluctuation of its net value will increase, so the risk of this fund will increase.

Like hybrid funds and stock funds, their fluctuations are relatively large, and they can go to heaven and go to hell when they go up, which is a medium-risk or high-risk fund product.

However, this high-risk fund product can also spread risks through long-term fixed investment.

In the short and medium term, there will still be floating losses on the books of medium and high-risk funds. However, due to the long preset investment cycle and the way of fixed investment, the probability of basic profit is still very large. Usually in a bear market, you will make a fixed investment and a bull market, and you will make almost 100% profit.