First, from a long-term perspective, I think everyone should make their own financial plan as early as possible, and take funds as an essential part of personal asset allocation, and adhere to it moderately. We borrow a word from Peter Lynch: "Buying funds is like weight loss. The decisive factor for the final result is endurance, not intelligence". However, fund investment should also be within one's ability and should be carried out on the premise of ensuring the current quality of life, which is conducive to physical and mental health, family harmony, and the most important thing is to ensure a peaceful attitude towards investment.