Both will do. If investors have a certain level of investment, they can choose to sell at a high level, because it is difficult to grasp the low and high points in the investment process. If the investor's investment level is average, it can be held for a long time.

The rise and fall of the fund is mainly determined by the investment target. For example, stock funds mainly invest in a basket of stocks, and the rise and fall of the fund is determined by this basket of stocks. Invested stocks go up, funds go up, invested stocks go down and funds go down.