Fixed investment is based on the assumption that the stock index will continue to climb up with economic development in the medium and long term. Equity funds and hybrid funds can smooth short-term fluctuations through fixed investment, achieve the purpose of receiving goods, and achieve the same benefits as economic development. The bond fund itself fluctuates less, so it doesn't need long-term investment to smooth the yield.
If the fixed investment exceeds 65,438+00 years, it is recommended to choose an index fund to make a fixed investment, and the income will be more abundant. The reason for the long time is that index funds fluctuate greatly, but the upward trend will not change in the long run. In 5- 10, you can choose the combination of stock funds and hybrid funds. If the investment risk tolerance of less than 5 years is high, you can choose stock funds. If it is lower, you can choose a combination of money funds, bond funds and hybrid funds, and allocate more bond funds to ensure the stability of income.