Choosing a good fund for fixed investment depends on the time when the fund was established, the choice of well-known fund companies and the choice of fund managers. The scale of the fund can not be too large or too small, but also depends on risks.

First, the principle of choosing a fixed investment fund

First, it depends on the time when the fund is established. The longer the fund is established, the more it shows that the fund can stand the test of time and the risk of liquidation will be very low.

Second, we should choose well-known fund companies.

The third is to choose a fund manager, preferably one who has experienced the baptism of a complete market cycle and has been managing the fund.

Fourth, the scale of the fund should not be too large, nor too small, too small to be easily realized, too large to be easy to turn around and difficult to manage.

Fifth, it depends on the risk: whether the retracement is great or not, and whether the Sharp ratio is too high.

If it is really difficult to choose, you can invest in a broad-based index fund. The biggest advantage of broad-based index funds is that they cover many industries, are evenly distributed and have more stable profits. Moreover, broad-based index funds are suitable for most investors.

Two. Fixed investment of funds

Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management"