Generally, there are stock funds, hybrid funds, bond funds, principal guaranteed fund and closed-end funds.

The first four are open-end funds, which can be purchased through banks and securities companies, and closed-end funds are traded in the secondary market.

Secondly, the fund you choose, Huaxia CSI 300, is an open-end stock index fund, also known as a passive fund. Because its stock allocation is based on the selective allocation of stocks in the Shanghai and Shenzhen 300 Index, it is relatively passive.

Earnings fluctuate with the Shanghai and Shenzhen 300 Index. Personally, I think the income is average, depending on the market environment. Because the enterprises in the Shanghai and Shenzhen 300 Index usually operate well, with stable performance and excellent quality, they are considered to have relatively stable income. There will be no huge fluctuations, such as entering ST or closing down or delisting.

In addition, it is very important to choose a fund according to the fund company, fund manager, fund establishment time and long-term performance of the fund (generally at least 1 year, preferably 2 or 3 years, and it is difficult to evaluate the future performance of an old fund with 5 years or more due to the change of fund manager). ) admire the old fund that has experienced the bull market in 2006. The advantage of the old fund is that the fund manager has experienced a bull and bear market and his investment is more stable. Of course, some fund managers are too cautious, which leads to the slow rise of fund net value when the investment environment improves.

Huaxia Fund Company and Industrial Fund Company have excellent fund management and capital preservation ability. But every fund company does not mean that every fund must have good and bad. Still depends on the comprehensive evaluation of other factors. Moreover, the choice and purchase method of the fund also depends on the individual's tolerance and risk preference. I don't know the risk tolerance of the landlord.

If the landlord's income is not high or the expenses are too high, the fixed investment of 300~500 is quite good, which can share the risks, but the disadvantage is that the income is not high or even the bear market loses money. The advantage is that every little makes a mickle, the opportunity cost is high, and the probability of getting benefits is high, isn't it? Very much in favor of fixed investment, but it is suggested to modify the fund type. (Refer to the information that the landlord said that he was moonlight and only planned to invest 300-500. Personally, I think the mixed fund is more suitable. Um ... . It's really just personal advice.

Finally, you should put your mind right. At the beginning, you may ask the fund's net value to grow rapidly and care about the fund ranking. We should transition to the requirement of capital preservation ability as soon as possible, because a single decline can zero the rising net value of 10. And a good fund, although rising slowly, will maintain its advantage in today's difficult environment because of its excellent capital preservation ability and through ups and downs.