Generally speaking, funds are divided into many categories: money funds, index funds and bond funds.

If you want to say that holding time is good, it is an index fund. Such funds are all stocks, such as the consumer index, the largest company in the consumer industry, Maotai Yili and so on. Because these commodities are necessities for eating and drinking, the companies that make money are getting bigger and bigger every year, and the industry has not closed down, so the index has increased by 15 times, which is the best in the pharmaceutical industry index. It was 10 times in 2005. The technology industry in the United States, NASDAQ 65,438+000 index fund, increased eight times in 2005. But you are required to underestimate buying, not to judge underestimation at any time. Otherwise, you need to learn valuation, otherwise you will not reach the high point and low point. So when you say three years, it's not really a long time. For example, the medical index has also dropped for three years, which is still too short.

I don't know your oil index, but oil and futures are not mainstream investments, they are not stable profits, and they are all high risks.