For novice investors who pursue income, they can choose enhanced index funds for fixed investment. For novice investors who pursue principal security, they can choose not to choose enhanced index funds for fixed investment. In addition to tracking specific indexes, index-enhanced funds will actively manage funds, such as stock selection and innovation, mainly in pursuit of excess returns, so the expected returns of enhanced index funds are higher than those of ordinary index funds, and the risks are also greater than those of ordinary index funds.

At present, OTC funds support fixed investment, but according to the characteristics of funds and fixed investment, partial stock hybrid funds, equity funds, index funds (including enhanced index funds), ETF-linked funds and LOF funds are more suitable for fixed investment, because the fluctuation of funds is relatively large, while money funds and bond funds are not suitable for fixed investment, because the fluctuation of funds is too small and there is no need for fixed investment.