1. First of all, tell him that the fixed investment of the fund is not omnipotent and risky. Tell him to choose a fund for him according to his risk tolerance. 3. Encourage him to insist on fixed investment for a long time, which will have a better return. Give him some cases; 4. If the guest wants to make a long-term fixed investment, he may be advised to invest in an index fund as a fixed investment fund, so that the risk can be shared equally. Many a mickle makes a mickle suggests investing in index funds. Buffett said that index funds are one of the most profitable tools in the past 30 years, with low cost and good long-term investment returns. For example, the blue-chip stocks in Shanghai and Shenzhen 300/ Yiji 50 are relatively strong recently, so Yiji 50 is also doing well, and investment index funds are also good. Avoid the situation of earning only the index and not making money. It is recommended to hold it for 3-5 years, so as to avoid a cycle (bull-bear alternation period) and find a better return. If the annual return rate of the fund you invest in is 15%, you will get twice the principal return after 4.8 years.