3-month, 6-month single deposit and 12-month single deposit are the same operation, with shorter cycle and the same term, but with less interest. The current interest rate is .36, 1.71 for three months, 1.98 for six months and 2.25 for one year. Therefore, when the amount of funds is small, it is too scattered to use the 12-month single deposit. It also has certain advantages to use the three-month and six-month revolving single deposit, and it is also much higher than the current deposit. Take three months as an example. Specifically, the deposit is divided into three parts, each of which is fixed for three months. After the expiration, additional funds can be deposited for another three months or used for emergencies.

if the fund decides to invest, it can start now, but the handling fee for the investment should be considered, which is directly related to the income. Generally, the handling fee for the fund sold on the counter of the bank is higher, and the online banking purchase fee will be discounted, while the brokerage agency will be lower. It is the cheapest to buy the fund directly on the website of the issuing fund company through the Internet. But this is just the general situation, and we need to know more about it.

in addition, the fixed investment fund should also consider the time of regular monthly purchase, which is generally the beginning of the month by default. However, at the end of the month and the beginning of the month, in order to look good at the net value, the fund valuation is often higher than the actual value, so it is more appropriate to set the purchase time in the middle of the month. At the same time, the general salary is only paid in the middle, hehe.

I really don't know the high and low points. If I want to know, I might as well just trade stocks. However, you should pay regular attention to the number of shares, net value and rate of return of your fund when you make a fixed investment. When the rate of return is 2% (you can set it yourself), you can choose to redeem some or all of the fund. During the fixed investment period, the subscribed fund can be redeemed and the fixed investment can be terminated at any time.

In the early stage, more attention was paid to the accumulation of fund shares, and the dividend payment method could be set as "dividend reinvestment", because there is no handling fee for dividend reinvestment and more points have been accumulated. When the number of copies reaches a certain amount, the dividend can be set as "cash dividend".