Of course, funds have risks. The risks of various funds are different. Like any investment, risks are always proportional to returns.

But the difference between buying funds and others is that investment funds are longer-term investments, and the short-term effects are not obvious.

Investment funds are not suitable for frequent entry and exit because the fees are higher. Stocks are calculated in thousandths, while funds are calculated in percent.

The fund is suitable for office workers and investors who have no time to manage their own funds.

Therefore, investment funds will have better returns as long as they choose better timing and better fund investments.

In addition, fixed investment in funds can also reduce part of the risk. In the long run, monthly diversified investments can spread the costs and risks, making the investment cost close to the average investment cost of most investors.