2. In addition, you can buy 3 or 4 funds, such as small-cap stocks, large-cap stocks and index funds, which can spread your risks. That is, parents say not to put eggs in one basket.
In addition, these three or four funds had better invest in different companies. For example, if you buy three funds, all of which belong to E Fund, then the risk is not dispersed.
3.20 12 stock and fund market will definitely be much stronger than 20 1 12, so 20 12 should be a good time to invest in funds and stocks.
Good luck!