A fixed-proportion fund investment portfolio adopts a constant proportion of funds with different risk levels. For example, active, stable, and defensive fund investment portfolios usually do not adjust the proportions after the portfolio is established.

Floating ratio fund investment portfolios are judged based on market trends, and different proportions are used for funds with different risk characteristics in different market periods. For example, when the market is at a high level and risks increase, reduce the proportion of risky assets and increase the proportion of low-risk and risk-free assets. When the market is at a low level and valuations are low, increase the proportion of risky assets and reduce the proportion of low-risk and risk-free assets, thereby increasing potential returns.