In the final analysis, the fund is to help you speculate in stocks. Anyway, if the market does not go well for you, wouldn’t it be the same loss? Fund managers generally have been working in the industry for several years and have a very good understanding of the entire stock market. They also spend a lot of money to buy reports from brokers and write programs to operate them. It is always better than doing it yourself. . This is the case in mature markets. In the United States, institutions generally invest, and there are very few retail investors.