In fact, for Xiaobai, in addition to directly buying a basket of fund portfolios, you can also go to the "good buy recommendation" area of Pocket Fund APP to buy funds. However, due to the high risk of a single fund, it is impossible to spread the risk well. It is suggested that the fund portfolio is better; In addition, fixed investment is also a financial management tool with less risk, and there is no need to choose time. However, due to your high liquidity requirements for funds, you may face floating losses within two years, and your funds cannot be invested stably, which will affect the effect of fixed investment, so fixed investment is not suitable for you.

Finally, in view of your risk tolerance, I still want to remind you of the risks. The above suggestions cannot guarantee the safety of your absolute principal. As long as you invest in equity, you will face certain risks. I hope it helps you.

Obviously, in the volatile market environment, compared with the ordinary fixed investment, adding positions on rallies can get lower position costs and avoid the average cost being raised in the bull market. But at the same time, it will also "empty the bull market" and miss the opportunity for the market to continue to rise.

The arrival of a bull market often comes without warning. For most people, by the time they find out, the bull market is probably half over. And if you are still waiting for the opportunity to enter the market according to the falling threshold set by the previous volatile market, you are likely to miss the opportunity to increase your position and hold a lot of cash in your hand, but you have no chips in the face of the market's rise. I finally look forward to the market correction. I bought the principal of fixed investment accumulated in recent months, only to find that the average cost is not as low as that of ordinary fixed investment.

For many pretty girls who have just gone to work, the salary is not high and the savings are not much. Doing this kind of asset allocation is nonsense.

However, the fixed investment of the fund is a special asset allocation, which is very suitable for young people with little money and Xiaobai with little investment experience.

Asset allocation is to make diversified investments in different assets; Fixed investment is to diversify the same asset (fund) at different time points, which will reduce the risk.

Fixed investment is to buy in batches on a regular basis, which is a bit like adding positions and covering positions in the stock market.

For example, Xiaoqi is a daily fixed investment. Every trading day, the system will automatically deduct money to help me buy funds.

When the market falls, you can reduce the cost of holding positions by constantly entering the market in batches; When the market goes up, you can get the benefits directly.

Simply put, it is "down to earn share, up to earn income".