I suggest you buy index funds now! According to foreign data, the fund with the biggest real long-term return is the index fund!

The biggest advantage of fixed investment is stability. This method can be used to invest in enterprising or active funds, such as stock funds and active allocation funds, and often get good returns. Under the expectation of increasing market amplitude in 2008, stock funds and active allocation funds have higher positions, and their net income fluctuates greatly, which makes the fixed investment more stable. It is worth noting that index funds can also be used as an option for investors to vote.

As for whether you can add it, it depends on what fund you are investing in!