1. If you plan long-term fixed investment, if the fixed investment plan is long enough and spans several bull and bear cycles, then one of the best investment varieties for fixed investment is index funds; the reason is that the long-term cumulative expected annualized expected return rate of a considerable number of active funds

There is no way to beat the index.

Among index funds, the fixed investment effect of index funds with strong market representation is usually better than that of index funds with weak representation or special style types.

2. If you plan to make short- and medium-term fixed investments. If the fixed investment plan is short, such as within three years, then active funds are also attractive.

Because within a relatively short time period, it is always possible to find some active funds that can consistently beat the market.

Among active funds, funds with flexible operating styles are more suitable for fixed investments than funds with stable operating styles; funds with rotating styles are more suitable for fixed investments than funds with fixed styles.

In terms of holding styles, fixed investment fund varieties do not have a particularly strong bias. Excellent funds with various holding styles can be used as fixed investment varieties.

Choosing the right time, the right fund, and making fixed-term fund investments of the appropriate length can help financial managers open up a bright road to financial management.