There are many kinds of funds, such as bonds, stocks, currencies and hybrid funds.

Bonds, buying and selling government bonds, low volatility, relatively stable, generally sustained growth.

Stocks, buying and selling stocks, have ups and downs, and it is normal to have ups and downs.

Currency, unknown, fluctuates at a low level, and generally continues to grow. The balance treasure in Alipay is the money fund.

In fact, a fund is a financial investment made by others with the money you invested. If it goes up, it means it's earned; if it goes down, it means it's lost.

Hold the fund for a long time and pay dividends when the fund meets certain conditions. Of course, it is also possible to continue (rarely) to lose money.

If you are a conscience fund manager, it is very good to hold it for a long time.

It's hard to say about money. If you are not greedy but have too much spare money, you can try bank wealth management products, or directly deposit these funds, with low interest rate but stable income. The fund is still a bit risky.

The greater the risk, the greater the income. Funds only reduce the risk of stocks, and the income is definitely lower than that of stocks (in general). The interest rate of bank financing is definitely lower, and people's desires can't be satisfied. If you want high returns, you must be psychologically prepared to take risks. If we want to continue to grow, we must bear the benefits of low profits.

Personally, if you don't know much about financial management, it is still more reliable to buy bank financial products on a regular basis, otherwise you won't know if you lose money. Of course, people don't know this when they are born. You can try it with a little money first, even if you lose money, you won't feel bad. After playing for two or three times, you can naturally increase your investment.

Investment is risky and financial management needs to be cautious. Thank you.