When a child is born, he should consider safety, life safety, health safety and education safety. If you want to invest in your children every month, you should consider these guarantees, so I suggest you first consider giving insurance protection to your children's parents. Therefore, we should first consider buying medical insurance for our parents, but now that young parents have social security, we can consider buying extra dividend insurance, but don't pay too much. The total amount is only within 20% of family income. Dividend insurance is a guarantee to avoid inflation. As for the children themselves, it doesn't matter whether they buy it or not, except medical insurance (now schools have medical insurance or the Red Cross Fund).

With insurance protection, you can buy a fund and make a fixed investment. Funds are trend-oriented, and any fund with a wrong trend will lose money. So it's best to buy a fund with a good trend. If the trend is not good, you must quit. No matter what funds are risky, buy money funds or bond funds if the trend is not good. If the trend is good, buy a balanced fund or an equity fund.

Fixed investment of funds is a comprehensive and steady investment strategy. It is also right to consider a well-managed fund company and fund team, but now many fund companies are well managed, so I personally think it is good for you to be optimistic about the trend. The current trend is very suitable for the fixed investment period of the fund, so I suggest that you can buy index funds as the fixed investment strategy of the fund.

Because the fixed investment cost of the fund is still relatively expensive, and you plan to deposit 1000 yuan a month. Then I suggest you open a fund account in a securities company and buy an ETF regularly every quarter (3000 yuan). The charge is relatively much less.