The minimum investment of partial stock funds is 7 years. The first four years of these seven years are called the fund accumulation period, and the last three years are the harvest period. In the accumulation period, the fund's profit and loss will not be too much, because the overall cost is not much. Therefore, the key to the accumulation period is the level of cost accumulation. The stock market decline in previous years is conducive to the accumulation of low costs.

If you wait for the stock market to rise before making a fixed investment, the risk will be great. Although you make money in the accumulation period, you can't make much, but the cost is gradually piling up. If the stock market falls during the harvest period, a small amount of income will fall after a few days, and there is a risk of loss.

Therefore, at the beginning of the fixed investment, it is better to fall than to rise.

I suggest that you insist on not redeeming, and you should continue to vote.

If you don't continue, your cost will not be reduced.

It will be too late to make a fixed investment when it rises.

Of course, if you originally planned to make a fixed investment, it would not be as long as seven years. You can only say that the fund has the wrong type of fixed investment.