First of all, you have to make sure that this150 thousand is really spare money? Three years, five years, seven years? If so, you can refer to my following methods.

Smart Fund Fixed Investment:

First of all, you should determine the range of the average P/E ratio of A shares. If it is less than 15 times, you can start voting.

On a monthly basis, when the average P/E ratio is lower than 1.5 times, the Shanghai and Shenzhen 300 index funds will invest 8,000 yuan per month, and when it is higher than 1.5 times and lower than 20 times, it will invest 5,000 yuan per month, and when it is higher than 20 times, it will not invest any more. When the average price-earnings ratio is higher than 25 times, half of the funds bought before selling will continue to observe, and when it is higher than 30 times, all the funds will be cleared and left. It's good to reduce the position by half or completely clear the position. If you want to re-enter the market and make a fixed investment, you must wait until the average P/E ratio is lower than 15 times before you can operate. No matter what experts say and how the media reports, such repeated operations must be persisted for a long time.

This method is my own idea, for reference only, and I am responsible for my own profits and losses.

Also, before making equity investment, buy insurance that can provide sufficient protection for yourself and your family.