The longer the investment period, the smaller the risk. After the investment period exceeds 5 years, there is basically no risk. Long-term fund investment, the income must be greater than bank deposits. Take me for example. In 2007, the stock market crash began to make a fixed investment. So far, the income from fixed investment has exceeded zero deposit and five-year interest.

Fund fixed investment is an ideal investment tool for working class. It is suggested that one-third or half of the monthly surplus be used for fixed investment and the rest be deposited in the bank. When you are in urgent need of money, give priority to deposits and don't touch the fund. If the fund decides to make a fixed investment, it must insist on long-term investment, avoid giving up halfway and avoiding arbitrary termination. Persistent efforts will definitely bring rich returns!

Regarding the choice of funds, theoretically speaking, the risk of equity funds is high, and the risk of hybrid funds is low, but in fact, the decline of hybrid funds in recent three years is not inferior to that of equity funds, especially the choice of fixed investment funds should be dominated by equity funds, and it is recommended to fix investment in equity funds. I have seen that the performance of the "Xinhua Optimal Growth" fund has been among the best in the past three years. I recommend it, it's worth investing!

As for which bank or securities company to open an account, it doesn't matter where it is convenient to go. It is more convenient to withdraw money from the bank where the salary card is located.

Finally, I wish you a smooth investment!