First of all, you should consider the time of fixed investment and determine the significance and goal of fixed investment, preferably a fixed goal, such as getting married, having children and educating their children. After determining the time, choose the fund type of fixed investment according to the time.

Because the big cycle of the stock market is 5-7 years, and in order not to invest in the falling cycle, if you choose stock funds to invest, it is not recommended to invest for less than 5-7 years. This is also a mistake made by many people, and the time is short, but you choose partial stock funds to invest. The results must be mostly unsatisfactory.

In the short term, you can choose bond funds or balanced funds to reduce fluctuations.

Then we need to consider the ways of fixed investment, including regular quota, irregular quota and trend fixed investment. There is no best way to choose the amount that suits you, only it suits you better. Long-term fixed investment is more recommended for regular non-quota, which is more scientific and effective.

Then choose the channel with the lowest rate to make a fixed investment and stick to it.

It is best to consider the risk factors in the income of fixed investment funds.

It is best to achieve a balanced state.