Yeah, not bad. If a fund decides to invest, it should choose a fund with large fluctuations, which has a better chance to buy more low-priced stocks in the stage of falling net value and can make a quick profit when the market rises. Funds with stable performance have small fluctuations, are not easy to buy at low points, have relatively high average costs and relatively limited profits.

At the same time, the compound interest effect of fixed long-term investment can disperse the short-term risk of long-term stock market and fund net value fluctuation. As long as we adhere to the principle of long-term investment, funds with large fluctuations can obtain higher returns, and funds with greater risks generally have better long-term returns than those with less risks. Therefore, if you have a long-term financial management goal, such as more than five years, you may wish to choose a fund with large fluctuations, while if it is a goal within two or three years, you may wish to choose a fund with relatively stable performance.

According to the time limit of your fixed investment, you can choose different styles of funds. China Industrial and Commercial Bank has a fixed investment of 3 years and 5 years, and the investment period is 2-3 years. It is best to choose a relatively stable one. Recommended: Huaxia Dividend, Guangfa Steady; ; If the investment period is 5 years or even longer, you can choose a more radical investment style. Recommended: E Fund Value Growth, Yin Hua Value Selection, Industrial Social Responsibility, Rongtong Shenzhen Stock Exchange 100 Index Fund.

All dividends are reinvested as dividends and enjoy compound interest income.