Regarding your situation, 1. Fixed investment is most suitable for those who can continue to invest for 3 to 5 years. The rate of return is 8 to 15% (if you are lucky in the bull market, there are also 100%), which is generally greater than the bank time deposit interest for 3 to 5 years. 2

.If the stock market prospects are promising in the next 3 to 5 years, it is recommended that you give priority to fixed investment in index funds, such as the most common CSI 300 Index. Most fund companies have this product, followed by fixed investment in partial stock funds (such as XX Value Essence).

Select, XX theme selection, XX growth).

Fixed investment bond funds and currency funds are not recommended because their returns are basically fixed but their risks are small.

3. You must be persistent in fixed investment. You can set a stop loss range for yourself, such as 10%. As long as the net value of the fund exceeds this range, you will resolutely redeem it.