Generally speaking, it is best to choose stock funds with high volatility for fixed fund investment, because the greater the volatility, the more obvious the compound interest effect of fixed fund investment, and the higher the volatility, the average risk can be dispersed. However, not everyone likes high risk and high return, and they should choose according to the risk acceptance ability of investors.

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1. Aggressive investors: you can choose stock funds with large fluctuations and large withdrawal rate to make fixed investment. The reasons are: the risk of equity funds is relatively high, and high risk may bring high returns; Secondly, if a fund with a large withdrawal rate makes a fixed investment at a high point, it may rise rapidly from the withdrawal to the withdrawal, so the fixed investment can dilute the cost when it falls. Steady investors: You can choose an index fund to make a fixed investment, which is equivalent to buying a basket of stocks, and the risk is relatively small. On this basis, further fixed investment will reduce the risk, so index funds are suitable for stable investors. Whether it is a steady investor or a radical investor, when choosing a fund, they should choose a new product with a good track and high growth, instead of choosing a sunset industry to invest.

2.fund, in English, refers to a certain amount of funds set up for a certain purpose in a broad sense. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

Third, according to different standards, securities investment funds can be divided into different types: (1) According to whether the fund share can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market. (2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.