Funds, like the stock market, are risky, not just making money but not losing money. You should have the ability to bear it yourself. Fixed investment fund is suitable for long-term investment, and the risk is relatively reduced. Minimum monthly investment 100, 200 yuan. It is more convenient to buy funds in the bank, and the handling fee of the bank is basically the same. The fee for buying in a fund company is lower, generally 40% off. If you plan to make a long-term fixed investment, choose a fund with back-end charges to make a fixed investment, so there is no handling fee. As for which fund company's fund has room for appreciation, it is hard to say, because each fund invests in different stocks and projects. What kind of fund to choose for fixed investment depends on your personal endurance and the length of investment time. Fixed investment funds are suitable for stock funds and index funds, because they fluctuate greatly and can effectively dilute costs. How to choose a fund for fixed investment? My personal opinion is: firstly, choose a senior old fund company; secondly, look at the overall situation of the funds under the fund company; thirdly, the trend of the fund since its establishment. Although a little empty, I suggest you know about funds and fund companies, because there are too many fund companies now. Personally, I think several fund companies are still good. You can get to know them. Huaxia Fund Company, Huaan, Penghua, Guangfa, Jiashi and so on. Your child is only one year old now. You can find out whether there is an education fund, or you can find a fund to make a long-term fixed investment, with a monthly investment of at least 100, above 200 yuan.

There are several ways to buy funds: First, the handling fee is 1.5% at the bank counter, 60-20% at the online bank and 40% at the fund company's website. There is also a redemption fee of 0-0.5% when redeeming. These are all front-end charges, which are also the default. There are also back-end charges, there is no handling fee when buying, and not all funds have back-end charges.

A fixed investment fund is like a zero deposit and lump-sum withdrawal in a bank. You need to buy it every month, with a minimum of 200 yuan and a maximum of 50,000 yuan. Fixed investment funds also have risks, but the longer they are held, the lower the risk will be. It is best to choose a fund with back-end charges for fixed investment, so that there is no handling fee when buying it every month, but it will be redeemed after holding it for the time specified by the fund company (ranging from 3- 10 years), and there is no handling fee, which can save a lot of handling fees in the long run. Fixed investment funds are suitable for stock funds and index funds, because of large fluctuations, which can effectively dilute costs. However, we must insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to change the cash dividend into dividend reinvestment. In this way, if the fund company pays dividends and the fund company buys the fund again, this part of the fund has no handling fee, which saves expenses and can also generate compound interest income.