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Is it appropriate to buy a fund now
Personal opinion: There are better investment opportunities now, so you can buy some. However, its risk is far greater than that of bank deposits, and it cannot be used as a substitute for bank deposits.

The "eight-character mantra" of fund investment-confidant, confidant, long-term and decentralized.

"Confidant" is to make clear your investment purpose, risk tolerance and financial arrangement plan, and avoid blindly following the trend aimlessly. "Buying funds is not buying food", as a rational investment behavior, requires investors to have a clear understanding of themselves.

"Know yourself" means to select excellent fund companies to manage their own finances. Investment funds are long-distance running, and investors should devote themselves to finding funds with outstanding performance in the medium and long term. From overseas experience, good companies are more likely to have good funds, so choosing a fund company should be before choosing a fund. At present, there are more than 300 funds in China, but the analysis shows that all five-star funds come from the top ten fund companies in terms of overall performance.

"Long-term" means that investors are suitable for regular fixed investment at any time, especially when the market fluctuates and it is difficult to judge. The more active and volatile the fund products, the more suitable for regular fixed investment. Salaried office workers and people who consider long-term financial planning in the future are more suitable for regular fixed investment.

The principle of "decentralization" focuses on asset allocation. Just like teaming up, using five Yao Ming is obviously too radical, attacking too hard but lacking defensive ability; With 1 1, the goalkeeper is too conservative, and no sharp knife player poses a threat. Among the three types of fund products: aggressive, stable and conservative, active investors can match 5: 3: 2 and stable investors can match 3: 3: 3, which has the advantage of holding both defensive weapons and offensive weapons.

I hope it helps you!