However, it is best to choose index funds, such as Harvest 300.

There are three reasons:

1. Foreign research shows that in the long run, most funds cannot surpass the performance of index funds;

2. Index funds do not need to spend a lot of energy on stock selection, but only need to track the stocks in the index, so the cost is low;

3. As far as domestic funds often suspend subscription, the probability of suspension of index funds is very small. Other funds are suspended because they are worried that the scale is too large to affect the performance of the fund, because there is too much money to find more valuable stocks; Index funds, on the other hand, don't have to worry about finding good stocks.

Steady funds are not suitable for fixed investment.

Please look at the following example:

7. 10 fund A 2.0

8. 10 fund A 1.5

9. 10 fund A 1.0

If you vote for 300 yuan every issue, what's your share?

7. 10 150 copies

8. 10 200 copies

9. 10 300 copies

Your average cost is 900/(150+200+300) =1.38, which is lower than your previous two costs.

If the fund is a stable fund, then your average cost will always increase, so it is better to invest it once.