Hello! 1. According to what you said, I hope there is only more money. I suggest you don't invest in funds. Buy some money funds, lump sum deposit and withdrawal or lump sum deposit and withdrawal. 2. Theoretically speaking, the fixed investment business can reduce the investment cost when the market goes down, but it will raise the investment cost when the market goes up; 3. Fixed investment generally refers to the selection of a certain fund for regular purchase. If the risk tolerance is really weak, it is not recommended that you buy a fund with greater risks.