On these three, I personally think that lump-sum deposit and lump-sum withdrawal are the worst, with the lowest income. If you have a fixed balance every month, you can deposit this balance in a fixed deposit every month, with high interest, which is similar in nature to lump sum deposit. Fixed deposit and withdrawal is only set for people with poor self-discipline, but as long as you don't have fixed deposit and withdrawal for one month, you can't display the function of fixed deposit and withdrawal, and you must make it up next month. When you open a one-year fixed deposit every month (you can also deposit it for two or three years, depending on your own needs), not only the interest is higher than that of zero deposit, but also you still have a sum of money due every month after one year. You can take it out and deposit it with the new amount to be deposited in that month (the same period), so that you can keep rolling deposits. The higher the deposit, the more urgent it will be. Even if you are short of money, it doesn't matter if you stop for one month. That is the whole example: for example, the monthly deposit in 500 yuan is fixed at one time within one year. After 500. One year, the first 500 yuan is due in one year. Take out the actual deposit 1 000 yuan in 500 yuan in the current month, and the monthly deposit 1 000 yuan in the third year together with the 500 yuan to be deposited in the current month (that is, actually deposited in the third year). Compared with the actual income that you will come to 500 yuan in installments every month, what has not expired in installments is
These are relatively conservative financial management methods. It doesn't matter if you are conservative, but many people are saving money at the same time and will not use it flexibly. There are great differences in interests at the same time, which need to be reflected.
If you can bear the risk of loss, for long-term financial planning, the long-term is at least five years, then investing in funds every month is a good choice. In the long run, the income from fixed investment of funds is higher than that from bank deposits, and definitely higher than that from bank deposits, because it is a more radical way to invest in stocks or bonds. Even if the fund is fixed, there are still grades. For example, if it is relatively stable, you can choose a hybrid fund or a bond fund. Even if it is conservative, money funds can invest, at least with higher flexible returns than bank deposits. The fixed investment of the monetary fund is purely a substitute for bank deposits.
Relatively radical, then stock funds and index funds are good choices, with relatively high risks, but also relatively high long-term returns.
From the time point of view, if you plan to invest in funds within 3 years, then hybrid funds, bond funds and monetary funds are all good choices;
If you plan to invest in funds for five years, then equity funds are good. This period of time is like a bull market and a bear market cycle. As long as the profit in a complete bull and bear market reaches a certain level, it can be redeemed at any time.
If you plan to spend more than five years, the longer the better. Many people have invested for decades, so have I, so index funds are the best choice, with lower long-term costs and higher transparency.
The above views are for reference only. I am not a professional, just an ordinary financial enthusiast.