First of all, it is necessary to clarify the fixed investment time of the fund, which is about a few years. The length will affect the choice of fixed investment funds, that is, the choice of fund types. Because of the inherent characteristics of the stock market, a big cycle is at least 5-7 years, so if the short-term fixed investment is biased, if it is unfortunate to catch up with the down cycle, the loss due is a high probability event.

therefore ...

If it is a short-term fixed investment of 1-3 years, it is recommended to choose a bond fund, recommend ICBC Tianyi B, and E Fund has a steady income.

If it is a medium-term fixed investment of 3-5 years, you can choose a bond fund. As mentioned above, you can also try choosing a balanced fund. Baoyuan bond in the south is a good choice.

If it is a fixed investment for 5-7 years or even longer, you can choose a balanced fund. As mentioned above, you can also try to choose a hybrid fund, such as Harvest Growth, Guangfa Jurui and Core. It's all good.

If you are a risk-averse person, the more you are afraid of risks, the more you should lengthen the fixed investment time or choose a fund with a small shareholding ratio.

If the short-term income is stable, it must be a bond fund.

Choosing a fund is only one step.

Then choose the fixed investment method. The most common fixed investment is outdated and more scientific.

In addition, the choice of fixed investment channels is also crucial, especially for partial stock funds, which need to reduce the subscription fee to 0.6% or consider the back-end subscription fee.