1. If next year is a slow bull pattern that fluctuates upward, or a bull that moves upward unilaterally (the latter is basically unrealistic), the fund will be a good choice; If next year is a wide box consolidation pattern, there is little chance for index funds. Therefore, paying attention to the stock market in time requires a basic judgment on China's economy and market.

2. If the market always goes up and down, please consider switching the fund to other active stock bases with better performance in the same department.

3. If the amount is large, you can consider making a combination and adding an aggressive bond fund or convertible bond fund to balance the risks.