although funds are the best channel for small investors to participate in the profit growth of the stock market, not every fund is suitable for regular fixed investment, and only by choosing the right investment target can excellent profits be created.

First of all, fixed-income instruments such as bond funds should not be invested in a fixed-term quota way at all, because the purpose of investing in such funds should be to flexibly use funds and earn fixed income, rather than to create profitable growth. Buying bond funds is equivalent to deposit and deposit, and the fixed-term quota should first choose stock funds.

Next, choose the market that is on the rise. The oversold but healthy market is most suitable to start regular fixed investment, and invest in areas where the boom cycle is upward and the bottom is consolidating at this stage. Avoiding chasing high is the only way to create profit and principal security. Therefore, as long as the long-term prospects are good, it is most worthwhile to start regular fixed investment in the short-term market.

so, should we choose a fund with large fluctuation or stable performance? Funds with large fluctuations have a better chance to accumulate more low-cost units in the stage of falling net value, and can make a quick profit when the market rebounds. However, if the deduction starts at a high point and the redemption unfortunately hits a low point, then even if the risk of entering the market is dispersed on a regular basis, the profit will not be improved.

Funds with stable performance are less volatile, and will not encounter the problem of redemption at low points, but the relative average cost will not drop too much, and the profit is relatively limited.