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. The fixed investment risk of partial stock funds under 7 years has not been reduced because of a reasonable length of time.

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. What determines the final investment effect of the fund is the harvest period in recent years.

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.

You only plan to invest for four years, which is a bit short.

Because this kind of partial stock fund is greatly influenced by the stock market, you must look at the fluctuation of the stock market, so you must invest in the whole fluctuation cycle.

The risk of short-term fixed investment is still not small.