Currency and bond types are not suitable. Jie Congjie introduced that the income of currency and bond funds is generally stable, and the volatility is relatively small, so the difference between fixed investment and one-time investment is not too big. For regular investors, when the stock market falls, they can buy at a low price, and the shares will be relatively more. When the market rises, due to the large number of shares, the income naturally increases faster. Therefore, funds with relatively high long-term returns and greater fluctuations are more suitable for fixed investment.