Divide the principal by 24, that is, divide your principal into 24 parts, and invest one part every month for a fixed investment, with a fixed investment time of two years. However, according to our employees' understanding of the fund, the fixed investment time is generally not less than 3 years. Generally, the fixed investment cycle will last for 3-5 years from the beginning of the bear market, with an average annualized income of 15%-25%. If you don't follow this cycle and choose the start time of fixed investment at will, you can generally get an average annualized income of more than 10% after 3-5 years of fixed investment, and this fixed investment income comes from the smile curve of the stock market and the characteristics of China stock market.

Personally, if your investment principal is relatively large, you can invest the remaining funds in low-risk investments such as wealth management, reverse repurchase and money fund at the same time, so that you can not only get the average annualized income from the fixed investment, but also generate higher regular income from the remaining funds than the bank.