Steady investors still choose allocation, and partial debt funds are better.
For example, Huaxia dividend, Huaxia return, Xingye convertible bond fund, of course, there are many good funds, so I won't list them one by one.
As for the proportion of investment in income, it's hard to say, mainly depending on how much you spend. The principle is not to affect the quality of life now, that is to say, "invest with spare money."
It is expensive to buy in the bank, but cheap to buy directly in the fund company online, and the investment cost is low.
The specific operation steps are as follows:
Select the fund first-and then register online trading on the fund company's website-and set the fixed investment with a bank card that supports fixed investment (generally, fund companies support the Jinsui card of Agricultural Bank of China and the Dragon Card of China Construction Bank, while ICBC and BOC are less)-OK.
Set the name of the fund, and the number of deductions per month is enough.
In addition, ICBC has introduced regular fixed investment, that is to say, if the stock market goes up, it will invest less, and if it goes down, it will invest more, which will spread the cost. This kind of regular and irregular investment can only be bought at ICBC, which can be at the counter or online banking.