1. Funds should not be speculated like stocks, but should be held for a long time. For example, hold it for 5 years, 10 years. My personal fund is for children and I am going to hold it for 20 years.

The market is not good this year, and the funds are declining. But if the net value of the fund falls, it will be cheaper. If you continue to make a fixed investment now, you will buy more stocks and your cost will be lower and lower. That is, we often say that when the market goes up, we make money, and when the market goes down, we make the number of stocks (the number of funds).

3, so that once the market rebounds next year, you will make a profit.

4, now is the most difficult time, don't cut the meat here, you have to stick to it.