In fact, the basic smart investment is that you set a benchmark amount, and then according to the fund's net performance, it is higher or lower than the stock market moving average and then fluctuates by a certain percentage, so as to achieve the purpose of buying more when it falls and buying less when it rises. But the moving average seems to be 180, which is very small for the fund. You might as well choose a fixed investment on a regular basis, and don't deposit money in your card at ordinary times. The bank will deduct money when you see a relative decline in the market. The bank will scan your debit account every day for one month, and deduct the money if the amount is enough. So in this way, you can master the deduction time by yourself. Although ups and downs are not easy to judge, at least you have some initiative.

As for what fund to choose, it is complicated. It depends on your own risk tolerance, whether the fund is suitable for you, and the past performance of the fund. I suggest you go to the fund channel of ICBC website, which has a comprehensive introduction to the relevant information of various funds, or go to a fund rating website like Morningstar to have a look and compare. If you can accept it, you can choose an index fund to vote, which is passive, volatile and risky, but it is suitable for fixed investment. Recently, many new index funds have been issued, such as Huaxia CSI 300 and Southern CSI 300. Or choose some other stock funds with better performance, preferably with certain volatility, which is good for fixed investment. For example, funds of Huaxia Fund Company, Harvest Company and southern fund Company. You can invest in index funds first, and then choose stock funds, so the matching effect may be better.