Generally speaking, a fund that has been established for a long time, preferably for more than 3 years, has a 3-year expected return in the top 10% of the same type of fund and is always managed by the same fund manager. It is best to compare funds with the same risk and type, and at the same time, with the help of the judgment of some professional companies, we can have a better judgment on the management ability of fund managers.

Second, choose the most suitable fixed investment method.

Generally speaking, there are three ways to make a fixed fund investment, one is through the online banking function provided by the bank or the purchase from the bank, the other is through the online trading function provided by the fund company, and the third is through the online or offline purchase of the third-party fund sales organization. Generally speaking, third-party platform transactions are becoming more and more convenient, with good user experience and low rates. Novice friends might as well give it a try.

Third, jump out of several major misunderstandings of the fund's fixed investment

How do novices buy funds for fixed investment? In addition to understanding the above contents, we should also pay attention to skipping the following two major misunderstandings.

Myth 1: Stop as soon as it falls, and redeem as soon as it rises. What we must rely on is long-term return and persistence, the average cost will come down, and the market will always fluctuate up and down. If you can roughly judge the trend of the stock market crash, don't hesitate to stop loss, wait until the decline is almost the same, and then gradually resume fixed investment or increase chips. In long-term fixed investment, fixed investment usually has the opportunity to usher in at least one bull market or large-scale rebound. Once the net value rises, it is against the original intention of fixed investment, but it is also a good choice to transfer the fixed investment assets with faster appreciation to other assets with lower risk.

Myth 2: After the fixed investment fund is redeemed, the fixed investment will automatically terminate. In fact, even if the fund is fully redeemed, the investment contract is still valid before it expires. So as long as you have money in your account, it will still be deducted. If you want to cancel the fixed investment plan, you should go to the third-party platform or fund company that handles the fixed investment to terminate the operation.