At present, many people will choose the fund for fixed investment, and the index fund is the first choice for fixed investment, because it is less interfered by human factors and only passively tracks the index, and long-term fixed investment will inevitably get better expected annualized income. Which index of fixed investment fund is good, and how to choose the index of fixed investment fund? There are still a large number of people who are confused about these two issues, so today Bian Xiao will introduce the raiders of index funds to you. What is the fixed investment fund index? The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips. Active funds are greatly influenced by fund managers. At present, the performance of active funds in China is not ideal in terms of sustainability. Often the champion of the previous year is poor in the second year, and changing fund managers may also cause performance fluctuations. Therefore, if you hold it for a long time, it is better to choose an index fund. If there is a rebound, index funds should be the first choice.

Which index fund is better? At present, there are more and more index funds in the market, and it is more and more difficult to choose index funds. Investors should pay attention to two points when choosing index funds: on the one hand, it is as difficult to find such an index as to choose stocks; On the other hand, choose index funds with smaller tracking error. The smaller the tracking error of the fund, the stronger the management ability of the fund manager, and the more investors can achieve the goal of obtaining the expected annualized rate of return of the index. First of all, find a suitable underlying index: because passive index funds follow the index strictly according to the contract, the annualized return characteristics of the underlying index reflect the annualized return characteristics of the fund's risk expectation. Investors should choose an index fund with appropriate underlying index according to their risk tolerance and risk preference. As for which index is better in stages, people have different opinions. There may be differences in the performance of different types of indexes at different stages, and this difference is also difficult for investors to grasp. This is why even Buffett has been advising investors to invest in broad-based index funds such as the Standard & Poor's 500 Index. Generally speaking, ordinary investors can choose a broad-based index with wide coverage, and experienced investors can choose the index according to their own situation and staged market conditions. In the long run, index funds are definitely not the best, but they are definitely better. If the fixed investment time is long enough, such as 20 years, there are few active management foundations that can outperform index funds, which is determined by the quality of fund managers in China. Among the fund managers in China with low overall level, Rainbow Yahweh, a great person, is a minority after all. If the Chinese market is replaced by other fund managers after three to five years, it is still uncertain whether it can maintain the current level.