eldest brother, this is from the bottom of my heart. Don't be afraid to be wordy. It's right to be cautious in investing:

First, fully understand the funds, such as index, stock, partial stock, hybrid, bond, etc.

Secondly, find the index or stock partial stock funds with better performance and more suitable for fixed investment, and choose from them.

Please go to the fund website again to read their intelligence carefully.

Then, make a strategy based on the trend of the stock market. I believe that you will form your own operating system, which is the most critical.

To be more specific:

First, if it is not worthwhile to open an account in a securities company, you can choose to buy a fund or make a fixed investment through online banking. For example, Xingye's global vision, high growth in the South, innovation of UBS SDIC, and organic growth of Xingye. The amount of monthly investment depends on your own funds. The key to a fixed investment is timing, not quantity, at least 2 months per month. The time limit is in article 4.

second, I suggest you choose the online fund for smart fixed investment. Intelligent fixed investment can take the initiative to control the amount and timing of investment in its own hands. With the fluctuation of the stock market, it will not passively invest more in high places and less in low places. /

Because with the fluctuation of the stock market, it is best to invest when the valuation is low, but this has nothing to do with the date determined in the early stage of investment. Therefore, it is suggested that you set a suitable interval according to your monthly capital turnover, and then choose smart fixed investment (each fund website has its basic fixed investment and smart fixed investment rules), and choose to stop investing, increase investment or modify time and increase investment times in each month according to the growth of the stock market and your own fund's heavy stocks.

diligence selects benefits. Just like shopping, you must have a mind to act positively and capture the real market rules.

Third, I suggest you make the following investment portfolio:

There must be index funds in 2 yuan, such as Xingye CSI 3.

After that, pay attention to fixed investment, especially smart fixed investment that can control the quantity and time of fixed investment, such as stock-based or partial-stock funds, such as South Excellent Performance or South Value. This part of the funds can account for about 6% of the proportion when the stock market is low and many stocks (heavy stocks of the fund you choose) are found to be at a historical low level after analysis.

when the stock market index increases and the valuation of stock-based or partial-stock-based funds increases to a higher level, it is necessary to redeem or switch investment in mixed-type balanced capital preservation funds or even bond-based and monetary funds in time, so as to make a profit from redemption.

if the funds are sufficient, and the stock market is unstable, more than 15% or so should be invested in bond funds in order to enjoy stable profits.

IV. I suggest that you redeem the fund as follows:

After the cost is diluted, you can sell it if the income has reached 1-2%, and it is ok to pay again because the current market is still high, but you can gradually reduce the investment and stop it. Never mind the high point in 27. Today is not what it used to be.

I suggest Baidu Wang Qunhang's blog read my articles or read my answers to fund questions in my post bar. There are new ones every day. Through learning, you will definitely have your own opinions, and your own opinions are the most important. Remember. These hard-earned money should not become cannon fodder for fund companies and fund managers to seek profiteering.