Index fund is the first choice for long-term investment, because it is less interfered by human factors and only passively tracks the index. In the case of long-term economic growth in China, long-term fixed investment is bound to get better returns. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.

Foreign experience shows that in the long run, index funds outperform most active equity funds and are one of the first choices for long-term investment. According to American market statistics, since 1978, the average performance of index funds has exceeded 70% of active funds.

Therefore, I would recommend one machine for 50.