1. Bank deposit: lump sum deposit and withdrawal can be adopted, and 500 yuan can be made every month in case of emergency to reduce risks;

2. Fixed investment fund: monthly fixed investment of 800- 1300 yuan, held for a long time.

2. Who is suitable for fixed investment business?

The following investors are suitable for fixed investment:

1) office workers: There is not much money left every month; Not familiar with the securities market; I don't have time to go to fund sales agencies often.

2) People with special financial needs at some time in the future:

1) Newcomer: Buy a house and get married;

2) Couples with children: accumulate children's education funds;

3) Middle-aged people: plan for retirement.

3) Investors with low risk tolerance.

Three. What kind of fund is suitable for fixed investment business?

The original intention of "regular fixed investment" is to eliminate the fluctuation of the stock market, reduce risks and obtain investment income through the concept of average investment (time and amount). Therefore, if the selected fund does not fluctuate up and down, such as monetary or bond funds, there is no chance to make a profit, so choose a fund with a higher degree of fluctuation. Most of the investment targets suitable for "regular fixed investment" are stock funds or index funds.

4. How to buy and sell funds and fixed investment funds?

There are many ways to buy a fund:

1. Buy it on the fund website and call it fund direct selling. Advantages: low subscription and redemption rate; Disadvantages: online banking must be opened; Fixed investment is not very convenient, and it needs to be registered on the websites of many fund companies. If the bank card is lost, it is very troublesome to change the bank card account number; Advantages: the subscription rate is low, generally around 0.6%;

2. Trading funds in banks has advantages: safety and security, and various types of funds; Disadvantages: 1 Time limit, the transaction must be carried out within 9: 30- 15: 00 on working days; 2. Running back and forth in the bank queue is a waste of time;

3. Advantages of using online banking: safety and security. Although online banking is used, there is no need to open the online banking transfer and remittance function, so that there will be no unsafe situation when trading or investing in funds; It is convenient to buy funds and there are many types of funds; Disadvantages: must have a network and computer;

4. Buy with mobile banking, advantages: buy with online banking, but online banking is also convenient; Disadvantages: you must have a mobile phone with internet access and open WAP (it is recommended to open the monthly subscription function); Some mobile banks have a monthly fee, and CCB mobile phones are exempt from the monthly fee of three months;

5. Other ways, such as securities companies, direct sales offices of fund companies, telephone banking, etc.

I suggest using the online banking of China Construction Bank to purchase funds and fixed investment funds. The process is as follows (take the construction behavior as an example):

1. For handling bank cards or existing bank cards, it is recommended to use CCB cards.

2. Open online fund investment and subscription business on trading days (Monday to Friday 9: 30- 15: 00) (online transfer and remittance function is not required).

3. After online registration, you can set the name/date and amount of the fixed investment fund. Generally, the minimum requirement for a fixed investment fund for one month is 100-300 yuan, or you can buy the fund directly online, with the minimum requirement of 1000 yuan;

4. Redemption is easier. After logging in to the online bank, click Redemption (it will arrive in 3-7 days).

5. Inquire about fund net value/share/profit and loss, etc. , and you can log in to CCB's online banking.

5. When is the right time to buy and sell funds? How about investing in funds? Which funds are recommended?

The market fell from more than 6,000 points in June 2008 to the lowest 1600 points, which is an opportunity! In addition, the country has recently introduced many favorable policies, the stock market has soared, and stock funds have also risen. It is recommended to buy stock funds. But in the long run, there are many uncertain factors such as financial crisis and economic recovery, so it is impossible to buy funds with more funds at one time;

2009 was the worst year of the financial crisis, but to everyone's surprise, A shares rose from 1600 to the highest point of more than 2,400. This is a problem that most people can't think of or understand. Judging from this phenomenon, the stock market (fund) is unpredictable, and most of them are unexpected. Plus the lesson of blood in 2008, it is buying and selling. I suggest that you can adopt the method of regular fixed investment. Even if the risk is great, the fund will become very small. You can invest 300- 1000 yuan in stock funds or choose a group of fund portfolios every month.

Golden Eagle Small Cap, Huaxia Small and Medium Board, Guo Fu Tian Rui, Huaxia Bonus, ABN Amro Hefeng Cycle, Harvest Service, Huabao Baokang Consumer Goods, ABN Amro Hefeng Growth, Guotai Golden Horse Steady, Cathay Golden Eagle Growth, Oriental Selection, ABN Amro Industry Selection, Harvest Theme, Yin Hua Core Value, Rongtong Shenzhen Stock Exchange 100, Guangfa Steady, Optimal Growth in the New Century, Industrial Social Responsibility. Golden Eagle Bonus, Harvest 300, Taixin Quality Life and so on. Stock (index) funds must invest for a long time (it is recommended to hold and continue investing for 3 years or more to avoid risks and obtain better returns).

9. I recommend you an excellent fixed investment combination:

Take the fixed investment of 1000 yuan per month as an example:

1. Huaxia Bonus, partial stock fund and famous brand fund company, with good performance and low risk, can make a fixed investment in 300 yuan in one month;

2. Rongtong Shenzhen Stock Exchange 100, which mainly invests in stocks in the Shenzhen Stock Exchange market, is the most suitable fund for fixed investment among index funds, with high risk, and 200 yuan will make a fixed investment in one month;

3. Guo Fu Tian Rui, the second-ranked equity fund in 2009, is risky and can vote for 200 yuan every month;

4.ABN Amruhe Peak grew up. Equity funds performed best in 2008, but their recent performance was poor, so they can be properly allocated, with a fixed investment of 100 yuan a month;

5.ABN Amro's risk budget or balanced allocation of Bosera or Huaxia returns. Among the hybrid funds, the funds with better performance in 2008 have lower risk and can be invested in 200 yuan every month;

High risk accounts for 40%, medium risk accounts for 40%, and low risk accounts for 20%.