Funds are financial products suitable for long-term investment. Through a large number of data analysis, the profit ratio of the basic people is highly correlated with the holding time. Taking nearly 100 products selected by Alipay as an example, more than 70% of users who have held the fund for less than three months are losing money, while nearly 90% of users who have held the fund for more than one year are making money.

Matters needing attention in purchasing funds

Users need to pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the fund's net growth rate stays ahead, the income will naturally be high.

Be careful not to like the new and hate the old: don't blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.