Human factors have little influence, and index funds are still very good. This ratio is very low. The subscription and redemption rate of general stock funds is 1- 1.5%, and that of index funds is 0.5- 1.2%. The advantage of this fee is obvious. Passive tracking index personal finance calculator, very intuitive. It is also suitable for short-wave band operation. Very flexible, both short-term band operation. Long-term investment has low risk and excellent return. Low risk is an important reason why many investors choose funds. Disadvantages: too much fluctuation. For short-term operation, the risk is great. This still needs serious consideration. Lead the rise but not resist the fall. In any market, the position of index funds is very high, and it is impossible to avoid the risk of the stock market through the operation of fund managers. Can not avoid risks in time. The risk of fund redemption. If you want to quit early, you have to sell at a low level, which is easy to lose money. The risk of easy loss is still quite large. The fixed investment of the fund is not applicable in all cases, and the effect is very different. This requires investors to choose index funds carefully and make the best choice.