First, the Shanghai Composite Index reached 1945 at the end of last year, the lowest point in five years. The stock market began to pick up at the end of last year, and now it has climbed to 2400 points. It is almost certain that there will be a bull market for a long time to come. From a fundamental point of view, the domestic economic recovery and the property market regulation policy will not be relaxed in the near future. In order to develop small and medium-sized enterprises, it is estimated that there is a possibility of interest rate cuts in the near future, which makes a large amount of funds flow into the stock market to form a favorable situation.

Second, the international gold price hit a record high last year. Although it has declined recently, it is difficult to have big fluctuations in the short term. Moreover, the price of gold is generally a risk of regional stability, and of course the income will be relatively small.

If the Shanghai Composite Index stands at 3,500 points in one year according to the current market, and it is conservatively estimated at 3,000 points, the general rate of return of the fund can reach more than 20%.

However, the fixed investment of the fund generally needs to be held for three to five years to generate obvious benefits.

I am just an ordinary citizen. Like you, an ordinary college graduate who graduated two years ago. I'm no expert. I don't recommend any funds. I just want to tell you that I have been holding the income of ICBC Consumer, Golden Eagle and Peng Hua Putian for more than a year.

I hope it will help you a little!