Experts suggest that investors can take out 10% to 30% of their monthly income and use it for fixed fund investment, which can avoid the operational risks brought by the big ups and downs in the market. At present, funds can be roughly divided into two types: active and steady passive, according to the differences in fluctuation amplitude and expected returns. The former includes small and medium-cap stock funds and equity-oriented configuration funds in stock funds, etc., while the latter includes index funds, large-cap stock funds in stock funds, as well as bond and money funds, etc. Active funds may have larger fluctuations, but also higher expected returns, while passive funds are the opposite. Experts suggest that investors can divide their funds in a ratio of three to seven, and allocate them respectively in a steady manner and an active manner.