In your case, there are two ways to manage money:

1. Bank deposit: lump-sum deposit and withdrawal can be adopted;

2. Fixed Investment Fund: Fixed Investment of 300-500 yuan Fund is fixed every month.

It is suggested to use the second method of fixed investment fund;

2. Who is suitable for fixed investment business?

The following investors are suitable for fixed investment:

First, office workers: there is not much money left every month; Not familiar with the securities market; I don't have time to go to fund sales agencies often.

Second, people with special capital needs at some point in the future:

1) Newcomer: Buy a house and get married;

2) Couples with children: accumulate children's education funds;

3) Middle-aged people: plan for retirement.

Third, investors with low risk tolerance.

Three. What kind of fund is suitable for fixed investment business?

The original intention of "regular fixed investment" is to eliminate the fluctuation of the stock market, reduce risks and obtain investment income through the concept of average investment (time and amount). Therefore, if the selected fund does not fluctuate up and down, such as monetary or bond funds, there is no chance to make a profit, so choose a fund with a higher degree of fluctuation. Most of the investment targets suitable for "regular fixed investment" are stock funds or index funds.

4. How to buy and sell funds and fixed investment funds?

There are many ways to buy a fund:

1. Buy it on the fund website and call it fund direct selling. Advantages: low subscription and redemption rate; Disadvantages: Fixed investment is not very convenient, and it needs to be registered on the websites of many fund companies. If the bank card is lost, it is very troublesome to change the bank card account number;

2. There are advantages in trading funds in banks: safety and security, and various types of funds; Disadvantages: 1 Time limit, the transaction must be carried out within 9: 30- 15: 00 on working days; 2. Running back and forth in the bank queue is a waste of time;

3. Buying in online banking, advantages: it is convenient to buy funds and there are many types of funds; Disadvantages: Improper operation may lead to a safe situation, but this situation is rare;

4. Other methods, such as direct sales offices of securities companies and fund companies.

I suggest using the online banking of China Construction Bank to purchase funds and fixed investment funds. The process is as follows:

1. For handling bank cards or existing bank cards, it is recommended to use CCB cards.

2. On trading days (Monday to Friday, 9: 30- 15: 00), the online subscription business of the fund was opened in the business hall of the Bank.

3. After online registration, you can set the name/date and amount of the fixed investment fund. Generally, the minimum requirement for a fixed investment fund for one month is 100-300 yuan, or you can buy the fund directly, with the minimum requirement of 1000 yuan;

4. Redemption is easier. After logging in to the online bank, click Redemption (it will arrive in 3-7 days).

5. Inquire about fund net value/share/profit and loss, etc. , and you can log in to CCB's online banking.

5. Is the investment fund good? Which funds are recommended?

The market has dropped from more than 6,000 points to more than 2,000 points today. This is an opportunity! In addition, the country has recently introduced a number of favorable policies, the stock market has soared, and equity funds have also shown an upward trend. Therefore, it is recommended to buy stock funds. But in the long run, there are many uncertainties such as financial crisis and economic recovery. Moreover, 2009 was the worst year of the financial crisis, but to everyone's surprise, A shares actually rose from 1600 to more than 2,400. This is a problem that most people can't dream of or understand. Judging from this phenomenon, the stock market (fund) is unpredictable, and most of them are unexpected. Coupled with the lessons of blood in 2008, I suggest that you can adopt the method of regular investment. Even if the risk is great, the fund will become very small, and you can invest 100-2000 yuan per month. The recommended funds include Rongtong Shenzhen Stock Exchange 100 Index Fund (back-end fee), Guo Fu Tian Rui Stock Fund (back-end fee), Guangfa Steady (back-end fee), AIA Growth, Golden Eagle Small-cap, Huaxia Bonus, Morgan Stanley Resources, Huabaokang Consumer Goods, ABN Amro Growth, Huabao Advanced Growth and other stock (index) funds must be invested for a long time (continuously held and fixed for 3 years).