I think 5000 yuan is more appropriate, and it is more reasonable to increase or decrease 20% according to your actual living conditions.
B I also suggest that you invest in index funds, but the reason is different from your opinion, because the securities market will have upward expectations in the next three to five years. Investment index funds earn the average market income, and may lose money in the short term, but they will definitely make a profit if they lengthen the time. Therefore, the recommendation of index funds here is suspected of advertising and is not recommended.
C from my personal point of view, put eggs in one basket (personal point of view, for reference only)
D skill is to stick to the fixed investment and don't pay attention to its fluctuation. I tried to do the fixed investment band operation of the fund, which means I will redeem some funds and reinvest them according to the economic cycle. As a result, I found that there is a handling fee for fund redemption, and all of them have contributed to the fund company, and you can't guarantee that the decision you make every time is correct, so it is the best skill to say that you are honest.
An answer to a supplementary question
I am here to reveal the risks of QDII funds to you.
Exchange rate risk:
Overseas securities investment funds are denominated in RMB, but they invest in foreign currencies such as US dollars. Changes in the exchange rate of foreign currencies such as the US dollar relative to the RMB will affect the value of the RMB-denominated assets of the Fund, which will lead to potential risks of the assets of the Fund.
Investment risks in overseas markets:
Overseas investment should consider the potential risks brought by operational risks such as exchange rate changes, tax laws, policies, foreign trade, settlement and custody. In addition, the cost of overseas investment and the volatility of overseas markets may be higher than those in China, and there are certain risks.
Investment risks in emerging markets:
Compared with mature markets, emerging markets often have the characteristics of small market scale, imperfect development, imperfect system, poor market liquidity and great market volatility. The potential risks of investing in emerging markets are often higher than those in mature markets, which leads to greater volatility and potential risks of assets.
Legal risks:
Due to the laws and regulations of various countries or regions, some investment behaviors are restricted or contracts cannot be executed normally, thus facing the possibility of losses.
Control risks:
The invested country or region may take some control measures from time to time, such as capital or foreign exchange control, nationalization of companies or industries, confiscation of assets, and high taxes.
Political risk:
Changes in the political and economic situation (such as strikes, riots, wars, etc.) ) or the laws of the invested country or region will cause market fluctuations, which will directly or indirectly affect the investment income.
Investment risk of financial derivatives;
Investing in financial derivatives, including futures, forwards, swaps, options and other structured products. However, due to the leverage effect of financial derivatives, the price fluctuates violently, which may lead to investment losses higher than the initial investment amount when the market faces unexpected events.
In addition, there are other risks such as accounting risk, tax risk, securities lending risk and primary product risk.
Don't let these scare you, it depends on your investment risk preference, high risk and high return.
It depends on you!