According to regulations, fund certificates are securities with no maturity date. Therefore, there is no clear distinction between short-term and long-term investments. Determining the short-term or long-term nature of fund certificates depends on the investor's investment purpose and financial capability.

Investors who aim to profit in the short term should develop a short-term investment strategy. Conversely, long-term investment is a better choice if the investor's investment capital can be used in the long term without the need for immediate capital withdrawal.