On a large scale, fund bank deposits, individual stocks and corporate bonds are all the same, and they all belong to wealth management products. However, fund is an indirect way of securities investment, which is to issue fund enterprises to investors through fund management companies, and then pool investors' funds to invest in financial instruments such as individual stocks, corporate bonds and currencies. In other words, if you don't directly invest in stocks and corporate bonds, there are professional funds to help you invest, and the investment risks and benefits are borne by you, and you need to pay a certain fee to the funds that help you invest.

A fund will not lose money for three years.

There are many kinds of funds, depending on what kind of funds they are. If it is a money fund or a pure debt bond fund, most of them will not lose money after three years. Because money funds and pure debt funds are characterized by low risk and stable income, unless you are in an important financial crisis, you will lose money. If it is a stock fund, a hybrid fund or an index fund, it will probably lose money or make money, mainly depending on the market of the fund, whether it is up or down, and it is uncertain.

Put the fund in for three years, okay?

If it is a money fund or a pure debt bond fund, it will be fine for three years, and basically there will be no damage. However, if it is a high-risk type such as stock fund, hybrid fund and index fund, holding the fund for three years for a long time has two advantages: holding the fund for three years for a long time can spread the risk of the fund. There is a certain relationship between the holding time of the fund and the selling interest rate. Usually, the longer it is owned, the smaller the selling interest rate. Some funds that have a long time can be exempted from selling interest rates. Funds are held for three years for a long time, and most funds can be exempted from selling interest rates, which is very affordable.