1. Index funds such as Yiji 5, Rongtong 1, Huaan A-share and Jiashi 3 can be considered.

2. Choose a fund whose net value fluctuates greatly. This is because we choose regular fixed investment because in the process of price fluctuation, fixed investment helps us avoid risks. When the price rises, the risks rise accordingly, and we invest the same amount of money, and the share we buy is relatively reduced; When the price is reduced, the risk is correspondingly reduced, and the share of the same amount of money is correspondingly increased. Simply put, we buy more when it is cheap, and we buy less when it is expensive, so the risk is naturally reduced. As retail investors, we always want to buy at the lowest price and sell at the highest price, but the probability of success in this band operation is similar to that of flipping a coin, but regular fixed investment can help us find the average cost of the buying price. The longer we invest, the closer our buying price will be to the average market price. Therefore, if we are optimistic about the market trend for a long time, but it is difficult to grasp the timing of admission, regular fixed investment should be the best choice. At present, the stock fund is the most volatile fund product, and among the stock funds, the index fund is the most volatile, which is why the popular saying: Choose an index fund and let it grow old with you:) What is the reason? Because from a global perspective, with the continuous development of the economy, the overall trend of the market is always upward. Even though the US stock market has experienced several large-scale stock market crashes in the past 8 years, it is still creating new heights. In addition, domestic fund managers change frequently. WIND statistics show that as of May this year, the average term of office of successive fund managers of stock-based open-end funds is only 14.59 months, which means that if you make a 15-year fixed investment in the fund, you have to be mentally prepared to change it to 1 fund managers. However, because index funds are passive investments that follow the index, personal influence, the fund manager, can be ignored, and his style is persistent and faithful, so investors can hold it with peace of mind. In addition, because the index fund tracks the index and passively invests, there is no scale control problem, so it will not stop the fixed investment of investors because of the suspension of subscription, as some active stock funds do. Another thing to note is that the current market in China is not basically efficient like that in the United States, so many stock funds (active) can achieve better results than index funds. Therefore, if you make regular investment, you don't have to choose index funds. You can choose an excellent stock fund to make regular investment.

finally, I need to remind you that regular investment is a long-term process, and you should insist on it. If the stock market plummets in the future, you should insist on regular investment, so as to gain more fund shares and get the greatest return after the stock market rises. In addition, it is best to change the dividend method into dividend reinvestment, so as to obtain compound interest income in this long-term investment process. In fact, in foreign countries, many families make fixed investment in the fund, which is not only a good saving habit, but also can save a considerable wealth for their children's education or their own pension through regular investment for 2 to 3 years, even beyond your expectation.