First, young people now have a strong sense of financial management and are exposed to new things. Unlike the older generation, they are deeply rooted in their ideas, afraid of losing money, afraid of losing money, unwilling to take risks, and just want to have a bank. This is the mentality of my parents and the concept of a generation, and I just buy funds and don't deposit them in the bank.

Second, talk about my buying fund. I used to watch it often, but now I watch it less. Let's treat it as a time deposit. As a time deposit, just give me a little dividend every year. It's better to think about it than to keep it in the bank The annual interest rate is much higher than the bank interest rate. In fact, I am satisfied with this and don't want to have much income. Anyway, it's better than putting it in the bank, and it's more convenient to extract it. This is a combination of high school and low risk, and I still have money for emergencies. Personally, I think this is enough, and I am very satisfied.

Third, sometimes I buy some stocks, and sometimes I may have a little extra income. Earn if you have excess income. If not, it's nothing. Lie flat if you lose. Make a profit and sell it. Just for fun, of course, there is very little money to buy stocks, most of which is to buy funds, let professional people do professional things, and let fund managers do stock trading and research.

Fourth, buying a fund means trusting the team behind the fund manager. Fund managers are not fighting alone, but a team, which I believe is possible. In the long run, the income of the fund is good, but it is better than the existence of banks.