How long is the financial product? Is it better for novices to buy long-term or short-term?

The long-term use of financial products is several years ？ Novice best buy long-term or short-term ？

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Take the answer 1：

It is recommended that the purchase duration be long （ It can always be bought and the income is relatively stable ）, Closed period 3 Months or half a year （ Relatively flexible , It can deal with all kinds of emergencies ）, Focus on REITS fund .
It is recommended to open a securities account when purchasing funds , Floor trading , So the transaction commission is low （ General Wan 3, Online account opening commission is low , We can talk about ）

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