Index funds, in particular, are relatively the most transparent public offering fund products.
Of course, there are ups and downs of funds, but the ups and downs of general index funds are always basically synchronized with the index, so they are very transparent. If the index goes up, it will go up, and if the index goes down, it will go down. The overall situation will not be great.
Therefore, whether the income is good or not is a question of market ups and downs, but it will never run away.
Because the money to buy the fund is entrusted by the bank, the fund company can't touch the money, so it can only issue instructions to let the bank allocate funds to buy the constituent stocks of the index, so it is very safe.
P2P does not have these hosting programs and systems. Even if there is, it is also called depository. In fact, it's equivalent to you calling a P2P company, which keeps money in its own bank account and can't supervise the whereabouts of funds at all.
Therefore, I personally don't touch P2P at all, and I don't touch it if I have more money, so as to avoid the running events that have happened in succession in these years.
Index fund investment is purely based on vision and market conditions. I will definitely invest in index funds. If the market is not good, I will vote. I will stick to it for a few years, and I will make money when the bear market is over. You can also try!