You are very conscious of investment and financial management, which is commendable. /kloc-if you invest in 0/0 years, you have a great chance of making a profit. Because after ten years, China's economy will definitely reach a higher level, and the stock market will also rise at the same time. The longer you invest, the less likely you are to lose money. According to statistics, the loss rate of investment for ten years is only 5%, and the chance of winning a fixed investment is even greater.

Suggestion:

1. Use 200 yuan to invest in the CSI 300 Index Fund of harvest fund Company every month. At present, the valuation of index stocks is low and their value is outstanding, but their growth is slightly insufficient. Compared with other Shanghai and Shenzhen 300 funds, Harvest Shanghai and Shenzhen 300 Fund has the lowest cost and the highest fitting degree of tracking index, which can guarantee higher returns than other similar funds. Long-term investment is particularly important.

2. Connect the fund with the Shenzhen 100ETF invested by 300 yuan E Fund Company every month. At present, the valuation of index constituent stocks is high, but the growth is good. The fund has not entered the top five in the past five years and is a very good fund.

In this way, the 500 yuan/month you invest covers the Shanghai and Shenzhen stock markets, but the focus is on the high-quality stocks with good growth in Shenzhen market.

Precautions:

1. is still in a bear market. Be prepared to lose money. You may lose money for two or three years, and you can't rush to redeem it. I suggest that you let the bank automatically deduct money every month. You forget the fixed investment fund and don't look at the net value. It's not too late to look at your fund when the big bull market comes and everyone is rushing to buy it.

2, regardless of profit and loss, adhere to the monthly investment; Only by buying more can we continue to bargain-hunting and dilute the holding cost. I just don't know if you can overcome your fear and carry out the fixed investment plan without interruption.

I hope it helps you.