Funds are definitely suitable for long-term holding. Because the fluctuation of funds is generally small. And there are many kinds of stocks or bonds under the name of the fund. Then there are mixed stocks. In this case, the fluctuation of the fund will not be great. Generally speaking, funds should be held for more than two to three years. In order to see better returns. And another advantage is that if the fund is held for a long time, and you choose the back-end charge. Then the fund was redeemed in a few years. There is no handling fee. This is still a lot of money. And the fund can also help you develop good financial habits. Because the fund is divided into one-time subscription and fixed investment subscription. The advantage of fixed investment is that according to your own economic situation, if you have more spare money this month, you can buy more. If you have less spare money this month, you can buy less. This is how the fixed investment appears, that is, when the net value of the fund is high, you buy less shares, and when the net value of the fund is low, you buy more shares, so that your fund cost will gradually decrease.