First of all, I admire that you have a stable income and are very thoughtful when you start working. You have already considered your financial planning, and even offered a reward of 100 points. I hope to wait for an answer at 100. I admire it.
There are many financial plans, such as savings, stock funds, futures, gold, real estate collection and so on. Fund is just one of the more suitable investment methods. You need to explore for yourself. You provided your own income, but you didn't provide your own expenditure level, local consumption level and whether you have unit insurance. It is not easy to judge your own surplus funds. I temporarily estimate that your monthly remaining funds are 1 0,000. On the one hand, you should keep at least three months' consumption expenses as emergency funds. The rest of the advice is that you should consider the type of investment and personally recommend stock funds and insurance.
For the fund, investing in it is a habit.
It is recommended not to invest in index funds. Some netizens listed the attractive fund performance upstairs, which is the time to choose. If you choose 06.8-09.8, it may be another scenery. Both stocks and funds require high selling and low sucking. Fixed investment cannot guarantee low suction. In the long run, the equalization of investment points is guaranteed, which requires greater investment. It is a lie to say that investing for a lifetime or a temporary enthusiasm throws the choice at 8-654. It may be more rational after 38+00 years, because it is possible that you have children, start school and start spending money. Choosing a higher selling point there may be more valuable than finding a fund variety now.
If the risk tolerance is strong, I suggest investing in a stock fund with outstanding performance and large fluctuations, such as investing in the Bosera theme industry. This is a long-term work suggestion, which will be thrown out at a high level after several years. If it is a relatively stable or dull fund, such as an index fund, the fixed investment is invalid and the stock is risky. Funds can share part of the risks of individual stocks through diversification, but they cannot share the systemic risks of market decline. Fixed investment has effectively solved the systemic risk, and the risk is already very low. If you only invest in index funds, I am afraid that the average market income is very small, and another three-year bull market and five-year bear market will be empty.
Personally, I prefer to invest in familiar stocks, but this requires more determination, not three minutes of enthusiasm, and more capital, which can be used as a reference for you.
For your suggestion, the performance of foreign social responsibility funds is better than that of ordinary funds.
Boss theme industry fluctuates greatly and has good performance.
The ETF or index fund related to the small and medium-sized board may not be the time to suggest that it is a year before starting to consider that small enterprises are truly dynamic enterprises, so that the fund managers of small enterprises may have enough funds to speculate repeatedly.