The 221 financial guide is a new year. Everyone is thinking about what investment opportunities there are this year, and what industries can be tried, which may make them earn more money. For example, funds are hot recently, so should they buy some now?

the popularity of funds has been rising since October and November last year, and it is really high now, but there is such a rule in the investment market. When most retail investors are about to enter this industry, it is the time when this industry is falling rapidly. If you are a person without any investment experience, you have never bought any wealth management products except bank deposits before. In recent months, you suddenly heard which stock is developing particularly well. Which funds are particularly well developed, the market information is telling these ordinary retail investors that they can start, but this information is usually deceptive, which means that it may fall in the future.

after the opening of the fund, you will know exactly what its trend is in two days, because you can't know its transaction price yet, so buy it now, but you won't know until the next day, and it's just opened. I don't know what impact the seven days of Chinese New Year will have on the fund's rise. Judging from the general trend of the fund, almost all types of funds are gradually rising from three months ago to now. If you start three months ago,

now, you are definitely a caveman. why do you say that? That is, the fund has an upward trend chart that is horizontal to %. The more shaky its upward curve is, the faster it rises. This is the basic law, but it will fall. If it falls, it will fall from 3% to 2%, and then the highest point will be called the top of the mountain. If you buy it now, you will invest at the highest point. Don't think that the foundation will have greater development in the future. You think it is not too late to start now. In fact, it is very risky to start now.

Gold is not an investable thing now, because the current price of gold is still around 375. After the wave of rising half a year ago, it rose to 43 when it was high, so there was no jump in investment, and it was very stable at around 38. I remember that in March last year, that is, in the first half of a year, the price of gold changed very quickly, from around 33 when it was low to around 33 when it was high.