Funds are much less risky than stocks. Under normal circumstances, funds are profitable and the risk is far less than that of stocks. If they manage well, they can make a 100% loss. It's just a matter of earning more and earning less. As long as you are not greedy, you can make a steady profit.

If you can afford it, you can buy some equity funds, which are risky but have higher returns. If the tolerance is low, you can buy some hybrid funds or money funds, with relatively small risks but low returns.

The risk of capital preservation fund and money fund is relatively small, which can be considered as almost zero. When buying a fund, you must understand: (1) There is a risk of principal loss when buying a fund. Don't put preventive savings into high-risk capital markets, let alone mortgage loans; (two) the fund is a long-term financial management tool, which should be held for a long time and should not be frequently speculated in the short term; (3) There are many types of funds, and different funds have different risk-return characteristics. Investors should analyze their risk tolerance and financial management objectives and invest in products that match their risk tolerance.