In the marketing of stock funds, there is usually an interesting phenomenon: funds with outstanding performance often have great redemption pressure; And those funds whose performance is flat or even declining, which are lower than the face value, can be held by investors for a long time. This is also a problem for some fund managers. It is inefficient to hold the representative opinion 1 blindly. Summary: Buying stock funds is not the most efficient than buying government bonds. After buying them, you can hold them in your hand, thinking that you can get safe returns after holding them for a period of time. Because the current securities market in China is not perfect and fluctuates greatly, investment funds must also pay attention to the trend of the whole securities market, and blindly holding it may not get good returns. On the contrary, keeping an eye on the trend of individual stocks and constantly changing and adjusting their own funds are the fastest shortcuts to wealth appreciation. Representative's opinion 2: The investment cycle should be at least 5 years. To invest in individual stocks, you must have confidence in long-term investment, and the investment cycle is at least 5 years. Many fund companies have such data: some stocks lose money in one year, remain flat in three years and gain in five years. Due to the limited personal funds, the number of shares should not be too much. It is best to choose leading stocks in one or two industries. Moreover, picking and choosing among many funds may not only delay the investment growth time, but also waste a lot of procedures. Expert opinion 1, determine the investment period of funds. If the invested funds need to be redeemed after a period of time (for example, for buying a house, going abroad, educating children, etc.). ), it is suggested to pay attention to the market opportunity at least half a year ago, find the best redemption opportunity, or transfer to a low-risk money fund or bond fund first. 3. Adjust the expected return on investment. At present, the market has gradually entered the era of low profit, and the return on fund investment generally reaches 10% to 20%, which should be a good performance, and the profit redemption point can be set as the standard. 4. When taking profits, you can consider redemption in batches or conversion into fixed-income funds. If you need money urgently, the market is already at a high level, and there is no need to redeem all the funds at once. You can redeem part of it and get cash first, and then decide the rest after the situation is clear. If you don't need money urgently, you can transfer the stock fund to a low-risk money market fund or bond fund for a while until there are better investment opportunities.