First, if your funds need to be used at any time, it is best to make a fixed investment every week;
Second, if your monthly funds are relatively stable, then I suggest you make a fixed investment every month;
Third, the monthly fixed investment income is slightly higher, and the relative profit ratio is relatively high.
Fourth, the weekly fixed investment income is very low and unstable. If circumstances permit, it is recommended to make a fixed investment every month.
Choose a fixed investment fund, we have the following methods to choose from, you can refer to:
A. We should choose the fixed investment fund with the highest return in three years among the same types of funds.
B Fund has an older qualification and has been established for more than four years.
C. fund companies, it is best not to change the fixed investment fund of fund managers.
D. you'd better find a fund company to buy it directly. If you sell it through the bank, your expenses will be higher.
How to choose? What is the quality of the fund? As a financial planner, please refer to:
① You can examine the growth rate of the accumulated net value of the fund;
② You can examine the dividend ratio of the fund;
③ Fund income can be compared with market trend;
④ Fund income can be compared with other similar funds;
Based on the above viewpoints, you can make your own choices and judgments. In addition, as investors, we can also use the judgment of some professional companies to better measure the management ability of fund managers.
Finally, I need to explain that I am not very optimistic about the funds. Monetary funds are at great risk due to the decline of RMB, and so are equity funds. Now our country's economic situation is not good, and the financial market turmoil has intensified. Both funds and stock investments should be cautious, and it is best not to operate for the time being.