Advantages of fof fund: 1, fof fund has low risk, mainly investing in a basket of funds to diversify investment risks; 2. Save time and worry. Fof funds save time in choosing funds, which is better for conservative investors and investors who don't have time to manage fund portfolios.

Disadvantages of fof fund: 1, fof fund has low income, and the risk is directly proportional to the income. The risk of fof fund is small and the income is relatively low; 2.fof funds are not suitable for long-term holding, but only suitable as allocation funds. It is easier to gain income by holding funds suitable for large fluctuations for a long time.