Hello, problem description expert! I am an office worker now, and I have invested in some funds since I worked for two years. At present, I pay a fixed investment of RMB yuan every month. I used to apply for a regular subscription at the counter. What we are considering now is whether we can convert it into other funds or stop paying fixed investment and choose other fixed investment. Now I have free time and pay more attention to the trend. Do I have to invest through fixed investment? Of course, considering that most of the funds are accumulated for a long time, please ask experts for a detailed analysis! Answer hello! Your current fixed investment allocation is two hybrid funds plus an index fund, which is relatively stable, and the choice of two hybrid funds is also good, but the only drawback is that it may not bring you satisfactory income in the short to medium term, but if you insist on long-term fixed investment, there is still a lot of room for growth. From the perspective of cost saving, you can choose to make a fixed investment directly through the website of the fund company, which is generally costly. Discount, but not necessarily online banking. You must confirm with the bank the preferential activities of the funds you buy or invest in online banking. Many funds invest in stocks and gold, and there is no discount. You can try them, but we don't recommend them because they are risky.