Hello, your fixed investment plan is fine, but no one can predict future profits.

Index funds have lower risks than stock funds because index funds are passive funds. The fund manager will invest in its sample stocks strictly according to the underlying index it tracks, and the changes in the fund's net value will also follow the underlying index.

Stock funds, on the other hand, are actively selected by fund managers and their teams, and their performance relies more on the fund manager's stock selection and operational capabilities.

In the past five years, the Shanghai Composite Index has plummeted from 6124 points, and many active funds have even underperformed the market, causing investors to suffer heavy losses.

Therefore, I recommend that you insist on investing in index funds, and I recommend that you pay close attention to the direction and trend of the market.

When there is an obvious turning point, you can consider adjusting your fixed investment strategy.

For example, from the bottom of 2,100 points on December 4 last year, the CSI 300 Index soared to nearly 2,800 points before the Spring Festival, an increase of 33%.

At this time, you can partially redeem the funds you previously invested in based on your annual profit target, but you still have to insist on your monthly fixed investment.

After the Spring Festival, the market adjusted. Currently, the CSI 300 Index has dropped to 2,540 points, a drop of 11%. When this adjustment is over, you can re-subscribe for the part of the fund you redeemed before.

The difficulty of grasping the general trend is far lower than the difficulty of selecting stocks from more than 2,000 stocks.