Stock funds have a great relationship with the rise and fall of the stock market. Because more than 90% of the positions are bought stocks.

But it is not completely in line with the market.

A well-traded fund, the stock market decline may be around 20%, but this fund has a small decline and is still profitable.

Last year, the stock market fluctuated for a long time, and most funds were losing money, but there were also funds such as China's large market, strategy and advantages. The growth income of Chinese businessmen in the prosperous period exceeded 30%.

Fixed investment can effectively reduce investment costs in the long run because it buys less when it goes up and more when it goes down.

So we can't generalize with the market trend.

By the end of last year, Yin Hua Preferred Fund, which was bought and invested in one time at the high point of the stock market in 2008, suffered a loss in one-time investment, but gained about 40% in investment.

This is the biggest difference between fixed investment and one-time investment.

Therefore, the short-term effect of choosing a fund with good long-term trend, high income, high ranking and strong profitability is not obvious, but it has a good rate of return in the long run.