Now many white-collar workers say that they will have a surplus of several thousand yuan every month and want to make a fixed investment in the fund, but they just don't know which one to choose. Indeed, through the fixed investment of the fund, you can buy less when it goes up and buy more when it goes down, which is a long-term financial management method. So, which fund is better? What should I pay attention to?

Determine financial goals

It is necessary to have a long-term goal to make a fixed investment, so as to reduce the investment risk and share the investment cost equally. Therefore, when there are short-term fluctuations in the market, investors need to treat it with a peaceful attitude.

Choose a good fund company

So what kind of fund company is a good fund company and suitable for fixed investment?

In fact, many institutions have the theory of fund rating at present, which brings great convenience to investors. The public can check the rankings of fund companies of different institutions, so as to get a general understanding of the situation of fund companies. For the ranking query of fund companies, you can go to Golden Cat, which is very popular in the world, and find the rating, so it is easy to see the ratings of various fund companies.

After reading the ranking, you need to comprehensively analyze the capital, operation and historical performance of this fund company to ensure that you choose a company with good reputation and strong strength.

Choose a fund suitable for fixed investment.

If the investment time is relatively short, within five years, it is still recommended to be conservative and choose some fund products with relatively stable historical performance; However, if it has been held for many years, it is recommended to consider some stock funds with relatively large fluctuations.

Determine the timing of fixed investment

When the market is in a downturn, it is actually a good time to enter the market, but if it is a fixed investment for more than 50 years, in fact, the timing should not be too concerned.

Fixed investment is actually a relatively safe investment method, but after all, investment is risky, and no one can guarantee 100% zero risk, so everyone should be cautious.