First, plan the total investment cycle, plan to make a fixed investment for several years, and then make a fixed investment according to the funds that can be saved every month. Like you, with a monthly income of 5K and a fixed monthly investment of 4K, 1K is simply not enough to live at today's prices, which is obviously inappropriate. Even if 5W in Yu 'ebao is used for the fixed investment of partial stock funds, it can only be fixed at 1 year (4K X 12 = 4.8W), and it is at the bottom. What about the second year? Fixed investment is a long-term investment plan. Don't invest rashly without planning the amount of funds and fixed investment.
Second, about investment varieties.
The two funds you choose have a good long-term performance, but after all, they are active partial stock funds, which involves that the fund manager may change within your investment scope, thus affecting your investment plan. At the same time, the annual management rate and annual custody rate of active funds are also high, so long-term fixed investment is not so cost-effective.
It is recommended to choose a pure index fund, which has the following advantages:
Pure index funds completely copy the index, and only keep a very small amount of funds as cash to deal with possible redemption. Most funds buy index stocks, not bonds. Compared with partial stock funds, buying a certain proportion of bonds is more efficient, but it is more risky. The more the fund rises and falls, the more suitable it is for long-term fixed investment.
Pure index funds completely copy the index, which is not affected by the level of fund managers and personnel changes of fund managers, and there will be no mouse warehouse that active funds are prone to.
The annual management rate and annual custody rate charged by pure index funds are also lower than those of active funds, which is suitable for long-term fixed investment.
Pure index funds will not have the tragedy of Man Cang stepping on the empty space in the bull market, which is easy to happen in active partial stock funds. As long as the market goes up, the index will go up, and the index fund will also go up.
The so-called pure index fund means that the product name of the fund is XX index, without the words "enhancement" and "grading". Some index funds have the word "connection" in their names, which is an index fund ETF that replicates on-site transactions. Basically similar to a pure index fund, it can also be considered.
Choosing an index fund with a large plate for fixed investment will be more reliable in the long run. After all, some mini-funds with a scale of only tens of millions (too small for fund companies to make money) will often be transformed into other funds in the middle, or will be liquidated, resulting in the failure of your fixed investment.
PS。 Many words, don't make a fixed investment in the bank, depending on which fund product, go directly to the fund company official website to open an account, and you may get more favorable fixed investment rates. The interest rate of Shikai Fortune is quite favorable. You can go and have a look.