1, not appropriate. Reason: Harvest 300 is an index fund with the Shanghai and Shenzhen 300 Index as the investment target. Your fixed investment period is 3-5 years. In a short period of 3-5 years, there will be three situations in the trend of the Shanghai and Shenzhen 300 Index: it may rise, it may fall, and it may not rise or fall. You can only make money if you go up. Investment index funds are good. For a long time (such as 10, 20, 30 years), we will strive for such a high probability event of China's future economic growth, but in 3-5 years, it is difficult to see clearly the barometer of China's economy-the stock market will definitely rise.

2. Changing the amount and time of fixed investment in the middle of fixed investment will not affect the income: the income of fixed investment comes from the difference between the amount cost you have invested in the fund account and the current market value of the fund. When modifying the fixed investment amount or time, there will be several situations that will affect the income: First, in the rising market (such as since 2009), if you increase or decrease the fixed investment amount, your fixed investment cost will increase or decrease accordingly; If you extend or shorten the fixed investment time, your fixed investment income will increase or decrease accordingly. Therefore, in the unilateral rising market, fixed investment is not as good as one-time investment. Second, in a falling market (such as 2008), when you increase or decrease the amount of fixed investment, you will increase or decrease the loss accordingly; When you extend or shorten the fixed investment time, you will reduce the fixed investment cost and correspondingly reduce the loss or stop loss. Therefore, unilateral decline, fixed investment is better than one-time investment.

3. Both accounts are required.

4. You need to associate your Deng Zhong account with your bank card. Please consult your fund company for details.

A suggestion: As far as the Shanghai and Shenzhen 300 index funds are concerned, I don't think Harvest 300 is the best choice. First of all, fixed investment is a long-term investment behavior, so the back-end charges are the best; Secondly, in the Shanghai and Shenzhen 300 index funds, because everyone takes an index as the investment target, the performance itself will not be very different, so now we should find a fund with less expenses to make a fixed investment. Among the existing Shanghai and Shenzhen 300 index funds, only Dacheng 300 and Nanfang 300 have back-end fees. Dacheng 300 is the fund with the shortest holding time (3 years) and the subscription fee is zero. Therefore, Dacheng 300 is the first choice for investing in Shanghai and Shenzhen 300 index funds. Choosing back-end fees can convert subscription fees into fund shares, which will help compound interest and appreciation in the future. If you spent 1000 yuan to buy Harvest 300, you actually only bought a fund share of 985 yuan according to the front-end subscription fee 1.5%; If you choose Dacheng 300 as the back-end fee, you actually buy a fund share of 1000 yuan. The performance difference of Shanghai and Shenzhen 300 index funds this year is basically within 1%, which can be ignored for a long time, so it is excellent to invest as much as 300.

I wish you a good fortune in investment and financial management.