Fixed investment funds are the best choice for pursuing long-term returns.

If it is fixed investment, it can also smooth out the income losses caused by short-term fluctuations. Since you are pursuing long-term income, you can choose the variety with the highest target income, index funds.

Index funds inherently select targets, large-cap blue-chip stocks and high-quality industry stocks that are representative of models. Since they have a certain number of samples, individual stock risks are avoided.

And avoid the impact of the economic cycle on a single industry.

Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is recommended to choose products from high-quality fund companies.

For example, ChinaAMC, E Fund, Nanfang, etc., it is recommended to use the CSI 300 and small cap indexes.

You can open a fund account through a securities company and let professional investment managers serve you. Some index fund varieties are free of charge through securities companies, which further reduces your investment costs.

You don't have much money, so you don't need to diversify your fixed investments. You can make money with compound interest over time. Just concentrate on one or two funds.

For fund fixed investment, you need to choose the back-end charging model, and for dividend distribution, you just need to choose dividend reinvestment.