2. Decide on the index chicken Jiashi 300.

There are three reasons for this consideration:

First, domestic funds often suspend subscription, such as China's large-scale selection, which has been suspended for almost a year, while the probability of index funds being suspended is very small. Other funds are suspended because they are worried that the scale will affect their performance, because there are too many funds to manipulate and they cannot find more valuable stocks; Index funds don't.

Try to find good stocks;

Second, 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 lower than other funds;

Third, after the research of foreign funds, in the long run, most funds can't surpass the performance of index funds.

Since 2005, when China Industrial and Commercial Bank of China promoted the fixed investment of funds, the fixed investment of funds known as the "Lazy Financial Management Law" has been accepted by more and more ordinary investors. There are more than 60 funds that banks participate in fixed investment, including active stock funds, index funds, allocation funds, bond funds and monetary funds.

For long-term investors, what kind of fund is suitable for participating in fixed investment? The answer is: index funds! The reason for this is the following：

First, index funds perform better in the long run. An important starting point for choosing a fixed investment fund is to stabilize risks and reduce the average cost, without worrying about the ups and downs of the market at that time. Choosing more flexible stock funds is more suitable for fixed investment. As far as equity funds are concerned, index funds with passive investment are more suitable for fixed investment. Warren Buffett wrote in Berkshire's annual report in 2004: "Low-cost index funds may be the most profitable tool for investors in the past 35 years, but most investors have experienced a psychological journey from the peak to the bottom, just because they have not chosen index funds that are both labor-saving and money-saving, and their investment performance is either very ordinary or very bad." The founder of Pioneer Group, the second largest fund company in the United States, has done statistics. In the 35 years to 1997, more than three-quarters of active funds underperformed the S&P 500. In the long run, index funds can achieve better performance than 70% active equity funds, which is a good choice for long-term fixed investment.

Second, the quality of index funds is more trustworthy. Domestic fund managers change frequently. WIND statistics show that as of May this year, the average tenure of successive fund managers of stock-based open-end funds is only 14.59 months, which means that if you make a fixed investment in 15, you should be psychologically prepared to switch to 10 fund managers. However, because index funds are passive investments that follow the index, personal influence, that is, the fund manager, can be ignored. His style is persistent and faithful, and investors can hold it with peace of mind. In addition, because the index fund tracks the index and passively invests, there is no scale control problem, so it will not stop investors' fixed investment because of the suspension of subscription, as some active stock funds do.

Third, the bull market needs to buy index funds. The long-term bull market pattern of China stock market has been determined. Bull market should buy index funds: because it is difficult for active investment funds to grasp market hotspots, and passive funds with indexes as investment targets have more advantages.

According to the statistics of Galaxy Securities Fund Research Center, the overall performance of index funds was the best in 2006, with an average net growth rate of 125.87%.

In 2007, index funds continued to be bullish. As of August 3rd, the net growth rate of index funds this year is 1 10.66%. In the same period, the net growth rate of active stock funds was 97.33%, the average net growth rate of partial stock funds was 92.93%, and the average net growth rate of balanced funds was 84.26%.