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.

Funds are the best choice to pursue long-term benefits. If it is a fixed investment, it can also smooth out the loss of income caused by short-term fluctuations. Since it is the pursuit of long-term returns, you can choose the variety with the highest target returns, index funds. Index funds have optimized their targets. Blue-chip stocks and high-quality stocks in the industry, as representatives of models, have avoided the risks of individual stocks because there are a certain number of models. And avoid the impact of the economic cycle on individual industries. Because 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 the products of high-quality fund companies. For example, Huaxia, Yifangda and South China. It is suggested to choose the Shanghai and Shenzhen 300 and the small-cap index. You can open a fund account through a securities company and let a professional investment manager serve you. Some index funds are free of charge through securities companies, which will further reduce your investment cost.

There is not much money, so there is no need to disperse the fixed investment. Use time to compound interest to make money for you and concentrate on one or two funds. The fund must choose the back-end charging mode for fixed investment, and can choose the dividend method for reinvestment.

According to your situation, we recommend two combinations, Harvest 300 and E Fund Value Growth. In order to avoid systemic risks, don't choose the products of the same fund company, and don't choose the same type of fund products. Harvest 300 is a passive index fund with low cost, which is in line with the Shanghai and Shenzhen 300 Index. E Fund's value growth is an active stock fund. These two combinations complement each other. Harvest 300 has a fixed monthly investment of 2,000 yuan, and E Fund has a fixed monthly investment of 1000 yuan for value growth. The fixed investment time is 8- 15 years.

At present, the Shanghai Composite Index is less than 2600 points. It is conservatively estimated that after five years, the index will reach 5200, and the initial investment will inevitably double. The index of 10 must reach 10000, and it is not a big problem to double the initial investment. China is developing much faster than the United States in 1970s and 1980s, when the American Dow rose by 10 times in ten years. China stock market is obviously undervalued. Since 2004, the stock index has been almost flat, but the economic development has increased by an unknown amount, with an average annual growth rate of 10%, so my estimated investment income is very conservative. As long as you have firm confidence, the future return can only exceed your imagination.