Fund is a good variety of long-term investment, and often can not reflect the income in the short term. For example, index funds dominated by bank stocks are rising well at present, while many other funds are earning indexes but not making money. Because the sector rotates, and the fund itself is a portfolio investment, it will rise slowly in the short term, but in the long run, the fund is the most profitable in the band market, such as the closed-end fund with 500002 issued in 1999. At the peak of 2007, the accumulated income reached more than 8 times, and the social security fund became the biggest winner in the long run after lightening its position. However, the long-term fund is also risky. The key is to look at your fund selection ability. For example, you lost money investing in QDII three years ago, and you are still stuck in investing in a new fund in August 2007, so I think a closed-end fund with high discount is the safest deposit and the first choice for steady investment!