Funds are a better choice, with higher annual returns.

Fixed investment actually means buying an agreed share of the fund at a real-time price on a specified day during the agreed trading period.

In fact, it means equalizing the benefits and risks.

The advantage is that it is suitable for the fixed and small investment needs of the working class.

The disadvantages are: 1. The amount of one-time purchase is small and you cannot enjoy the discount on subscription fees; 2. If the stock market continues to improve in the future, the income will be less than a one-time direct subscription. Direct subscription means you go directly to the bank to buy the fund. The advantage is that if your one-time

If the purchase amount is greater than 50,000, you can enjoy a discount on the subscription fee.

The disadvantages are: 1. If the stock market falls in the future, your losses will be relatively large.

It tests your vision.

The suggestion is that if you have a deposit of about 60,000 yuan, you can consider purchasing a fund of 50,000 yuan and keep 10,000 yuan in cash with you.

The monthly fixed subscription fund is 1,000 yuan.