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Has the fund been put in for a long time and basically made money?
Well, it depends. If you choose a bad fund and hold it for a long time, the longer you leave, the more you lose.

However, if you choose a good fund, assuming it grows by 50% to 60% every year, you can consider holding it for a long time to make money.

It is also worth noting that when we buy funds, we should be clear about a concept. Buying a fund is to make money. The fund is not a deposit and does not guarantee principal or interest.

After earning a certain income, you need to redeem it, so that the money can be saved. Buying a fund requires buying low and selling high to make money. You should know how to make a proper profit. For example, the current market is particularly high, so you should pay attention to the risk of falling.

Is the fund suitable for long-term holding?

Funds are suitable for long-term holding, which can effectively spread the risks of funds. However, when choosing a fund, we should choose a good fund from many aspects for long-term holding, which does not mean that all funds are suitable for long-term holding. If you choose a bad fund, you will only lose more and more.

If not all funds can be held for a long time, it is necessary to selectively choose funds to hold for a long time. In addition, holding the fund for a long time can reduce the redemption fee. When the fund is redeemed, the longer it is held, the less the redemption fee will be.

According to different standards, securities investment funds can be divided into different types:

(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.

(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.

It is still uncertain which is the earliest hedge fund. During the great bull market in the United States in the 1920s, there were countless such investment tools specifically for the rich. One of the most famous is the Graham-Newman Partnership Fund founded by Benjamin Graham and Jerry Newman.

In 2006, Warren Buffett declared in a letter to the American Museum of Finance that the Graham-Newman Partnership Fund in the 1920s was the earliest known hedge fund, but other funds may appear earlier.

In the economic recession of 1969- 1970 and the stock market crash of 1973- 1974, many early funds suffered heavy losses and closed down one after another. In 1970s, hedge funds usually focused on one strategy, and most fund managers adopted the long-short stock model. During the economic recession in 1970s, hedge funds were once ignored. It was not until the late 1980s that several successful funds were reported in the media before they returned to people's sight.