From the financial point of view, fund investment encourages long-term holding because the fund has redemption fee, and it takes time to confirm the share, so it is difficult for ordinary investors to grasp the correct investment time. Long-term holding can avoid falling into the dilemma of "chasing up and killing down". Moreover, from the past data, long-term holding can fluctuate smoothly, and "time for space" generally has a greater probability of obtaining positive returns.

But it also depends on your own capital flow needs, such as "long-term" years, as well as market conditions, such as large market fluctuations in the past three years, and fund products, such as cash withdrawal. So it may not be effective for a long time.