Hello!

I searched "SDIC UBS" on Baidu. Let me make sure. Is it SDIC UBS Steady Growth Hybrid Fund? If so, I'll give you a rough idea. I'm not sure because SDIC UBS is a fund company.

First of all, according to the classification standard of investment targets, SDIC UBS Steady Growth Hybrid is a hybrid fund. Its risk is greater than that of stock funds, but smaller than bond funds and money market funds. The risk is moderate. The income is also moderate, just like the name of the fund, it is relatively stable.

It is still more suitable to invest as a fund fixed investment. Stock funds and index funds are also good choices for fund fixed investment. Bond funds and money market funds are not suitable for fund fixed investment.

Regarding risk and return: I looked at the comparison and return rate of this fund with funds of the same type in the past two years. The performance is very good. It can be held for a long time and there will be returns, but the holding time is at least over 3 years.

About the redemption time: If you can judge the market trend, then the best time to redeem is the day before the market is about to enter a downward channel, which is the highest point of the market. But the problem is, The vast majority of people do not have this ability. Even securities practitioners and analysts who appear on TV every day, their judgments are almost always wrong when the market changes suddenly. When the price reached a high of more than 6,000 points in 2007, most people continued to sing bullish, and newspapers and TV reported that some people could reach 10,000 or 20,000 points. Therefore, as an ordinary investor, what is needed is patience and waiting for the appreciation of wealth at the cost of time.

I hope my answer will be helpful to you. I am an account manager at the Shanghai Sales Department of a securities company. If you have any questions, please Hi me on Baidu.

Financial management changes your life, I wish you a happy life and work!