The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

Funds are the best choice to pursue long-term benefits. If it is a fixed investment, it can also smooth out the loss of income caused by short-term fluctuations. Since it is the pursuit of long-term returns, you can choose the variety with the highest target returns, index funds. Index funds have optimized their targets. Blue-chip stocks and high-quality stocks in the industry, as representatives of models, have avoided the risks of individual stocks because there are a certain number of models. And avoid the impact of the economic cycle on individual industries. Because it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is recommended to choose the products of high-quality fund companies. For example, Huaxia, Yifangda and South China. It is suggested to choose the Shanghai and Shenzhen 300 and the small-cap index. You can open a fund account through a securities company and let a professional investment manager serve you. Some index funds are free of charge through securities companies, which will further reduce your investment cost.

There is not much money, so there is no need to disperse the fixed investment. Use time to compound interest to make money for you and concentrate on one or two funds. The fund should choose the back-end charging mode for fixed investment, and the dividend reinvestment method can be selected.