You should consider it comprehensively. There is a little bubble in the stock market at present. We should adopt a relatively conservative attitude in the allocation of funds. If I were you, I would choose a balanced fund instead of a stock fund. You bought Dacheng 300 index fund, but at this stage I hope you don't continue to buy index fund. In the long run, many valuable stocks and balanced funds will perform better than index funds. You plan to make a fixed investment, which means that you want to make a long-term investment, and you have no experience and knowledge in investing in funds or stocks. If investors like you want the best return, then I suggest you invest in a large balanced fund with long-term performance that can outperform the market. I hope my answer can help you.