1. First of all, buying a fund depends on your risk tolerance type. If you can bear great risks, I suggest you buy indexes and stock funds, which are risky and have high returns; If the endurance is average, it is recommended to buy a stable type; If you can't take risks, buy money funds and bond funds, but there is no income. However, if the fund makes a fixed investment, it is recommended to choose a high-risk type, because the fixed investment itself can spread risks.

How to spread risks, such as:

Vote for 500 yuan every month. Assume that the net value of the fund last month was 1 yuan (assuming no handling fee), and 500 yuan bought 500 copies; Net worth 2 yuan this month, bought 250 shares with 500 yuan. You have invested 1 000 yuan in two months and bought 750 copies. Cost 1.33 yuan/copy. Is it lower on average?

2. Secondly, when choosing a fund, we should use a professional eye. Generally, fund companies that have experienced bull and bear markets have rich experience. I recommend you to buy products from Huaxia and Yifangda, and companies such as Huitianfu, Yin Hua, Rongtong and Huashang are also good.

3. So, summarize the above two points. You can choose the index and equity fund products of Huaxia and E Fund Company, such as Huaxia CSI 300, E Fund's positive growth, E Fund's value selection and so on. I personally trust Huaxia and Yifangda the most.

4. Your fixed investment in 500 yuan can be divided into two situations:

* If you have a high risk tolerance, it is recommended to invest in all index funds. You can choose Huaxia CSI 300 or Yifangda CSI 300.

* If your risk tolerance is slightly low, it is recommended to choose the combination of index fund and mixed/stable/growth fund, with index fund investing in 200 yuan and mixed/stable/growth fund investing in 300 yuan. For example, the combination of Huaxia Shen Hu 300+ Huaxia Return or Huaxia Return 2. China Shanghai and Shenzhen 300 is invested by 200 yuan, and China Return or China Return No.2 is invested by 300 yuan. Of course, you can also choose the combination of E Fund's Shanghai and Shenzhen 300+ E Fund's steady growth, or you can choose a cross-company hybrid fund.

4. The advantage of fixed fund 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.

If my answer is helpful to you, please adopt it:)