Fund investment is a common investment method, and more and more investors will choose fund investment as the primary investment and financial management method. The risk of fund investment is smaller than that of stocks, but the return is often good. Then, when investing in a fund, is the holding time of the fund as long as possible? Let's get to know each other.

The longer the fund is held, the better?

Judging from the handling fee and fund holding cost, the longer the fund is held, the better. As far as the handling fee of the fund is concerned, the longer the fund is held, the lower the redemption fee is, and the investment cost of investors is at the end of the month; As far as the cost of fund positions is concerned, short-term holding of funds is likely to cause losses due to market fluctuations. In this case, investors can share the cost of holding funds by holding funds for a long time, thus playing a role in diversifying risks.

Only from the above two aspects, when investing in funds, it is natural to hold them as long as possible. However, for funds with poor nature, the longer they are held, the greater the losses they will cause to investors. On the one hand, if the fund has no performance for a long time, it will cause investors' funds to stand guard, that is, the funds invested by investors have no income for a long time; On the other hand, if the fund's income is not good for a long time, even if there is a meager income in the case of inflation, there will be a decline in purchasing power, which is still a loss for investors.

Generally speaking, not all funds are suitable for long-term holding. Generally, relatively stable blue-chip funds and some index funds are more suitable for long-term holding. The former tends to be more risk-resistant, while the latter, as a passive fund, does not need the fund manager to choose stocks actively, so it tends to avoid some risks.