Funds are more suitable for long-term fixed investment. How long do you want to say, at least 3-5 years? It is not difficult for me to earn 100% by holding a fixed investment fund for a long time! To choose a fixed investment, we must first understand several types of open-end funds: currency type, bond type, capital preservation type and stock type. There is no redemption fee for the money fund, and the income is equivalent to six months to one year's deposits, which can be redeemed at any time without loss. The subscription and redemption costs of bond funds are relatively low, and the income is generally greater than that of money funds, but there is also a risk of loss, and the loss will not be great. Stock funds have the highest subscription and redemption costs, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but when the stock market rises, there will be gains. Through long-term investment, the average annual return of stock funds is about 18%~20%, and that of bond funds is 7%~ 10%.

Another point is that the fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatic bargain-hunting plus code and bargain-hunting minus code. No matter how the market price changes, it can always get a lower average cost.

Therefore, regular fixed investment can smooth the peaks and valleys of fund net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

Funds are the best choice to pursue long-term benefits. If it is a fixed investment, it can also smooth out the loss of income caused by short-term fluctuations. Since it is the pursuit of long-term returns, you can choose the variety with the highest target returns, index funds. Index funds have optimized their targets. Blue-chip stocks and high-quality stocks in the industry, as representatives of models, have avoided the risks of individual stocks because there are a certain number of models. And avoid the impact of the economic cycle on individual industries. Because it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is recommended to choose the products of high-quality fund companies. For example, Huaxia, Yifangda, Nanfang and Jiashi. It is suggested to choose the Shanghai and Shenzhen 300 Index and the Small Cap Index. You can open a fund account through a securities company and let a professional investment manager serve you. Some index funds are free of charge through securities companies, which will further reduce your investment cost.

You don't need to diversify your fixed investment, use time to compound interest to make money for you and concentrate on one or two funds. The fund must choose the back-end charging mode for fixed investment, and the dividend can be reinvested!