In the bull market, buying a fund will bring benefits immediately, and the benefits will increase with the increase of monthly investment; On the other hand, in a bear market, it will keep losing money.

If you bought an index fund before 10, assuming that the fund never paid dividends, you earned several times when you sold it in the first half of 2007, and you were zero when you sold it at the end of 20 1 1, which shows that the timing of selling is also very important.

Generally speaking, there will always be profit opportunities within 5 years of fixed investment, so we should seize the opportunity to sell. If you buy a pension fund, you can hold it for 10-30 years, and the income is even greater. If you start to make a fixed investment this year, because the current stock index is relatively low, it is likely to be profitable within two years.