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.

Because your goal is 500, considering that you are an initial investment and intermediate risk, the reference strategy is as follows.

Considering your long-term planning, screen the performance in the past three years, and it is better to be comprehensive:

Guangfa Core Selection 270008 Dacheng Core Dual Power 0900 1 1 Chinese Business Dynamics Alpha 630005 Huitianfu Private Vitality 470009 Soochow New Economy 580006 Haifutong Leading Growth 5 19025.

Guangfa 300 is better.

In addition, you can also refer to the recommendation of Jinji.com, a professional fund shopping guide platform.

Conservative combination: Guo Fu Tianhui (20%), Harvest Growth (20%), Changsheng Active Allocation (30%), and Chinese Business Income (30%).

Balanced combination: Guo Fu Tianhui (30%), Morgan Stanley leading (30%), Industrial Convertible Bonds (20%) and Guo Fu Preferred (20%).

Growth portfolio: Dacheng Jingyang (30%), Chinese businessman Alpha (30%), Morgan Stanley Leading (20%) and Guo Fu Optimization (20%).

Because the fixed investment is to smooth the risk through long-term regular investment, the share of funds bought at high points is small, and the share bought at low points is relatively large. Therefore, you can choose funds with large fluctuations as the fixed investment targets, such as SSE 50ETF, SZSE 100ETF, Huaxia Market or other pure equity funds. You can also choose partial stock allocation funds such as Huaxia Dividend or Harvest Growth.

Of course, it should be emphasized that the fixed investment of the fund is not without risks, but it can be smoothed out through long-term investment.

The advantage of the fund's fixed investment is to spread risks, so it is appropriate to start fixed investment at any time. In addition, no matter whether the market is up or down, as long as the market is still changing, there will be opportunities. Good stocks can also make money in bad markets, and bad stocks will still lose money in bull markets, so don't care too much about the market trend and stick to fixed investment.

the second question

There is no risk in monetary fund investment, and there is no handling fee for subscription and redemption. You can buy it directly on the fund company's website, so the redemption will be one or two days faster than in the bank. The subscription and redemption of money funds, like other funds, must be subscribed before 3 pm in order to be regarded as the subscription on the same day.