The net worth can only show that he has no distribution, and it doesn't matter much.
Answer 2: The combination method is not good or bad, but mainly depends on your risk tolerance. This is an enterprising combination. If you are worried about risks, you can choose a money fund.
Answer 3: If you consider holding for a long time, it is more advantageous to choose the back-end charging method. If the conversion problem is considered, it is recommended to choose companies with rich types and quantities of funds.