1. You can choose Guangfa Jufeng, Yiji 50, Huaan A-share, Nuoan Equity Fund and Rongtong 100. You can go to Morningstar, Jimmy, Ku Fund and Tian Tian Fund to see the performance, ranking and fund managers of each fund. It is suggested to choose high-risk funds for fixed investment. It's still an index fund. Statistics show that 80% of the funds underperform the Shanghai Composite Index, so don't expect to choose 20% excellent funds, even if they outperform the index, it's only temporary. In the United States, a fund manager who can outperform the index by 5 percentage points for five consecutive years among more than 2,000 funds is introduced as a legend. In addition, because the index fund tracks the index and passively invests, there is no scale control problem, so it will not stop investors' fixed investment because of the suspension of subscription, as some active stock funds do.

2. Fixed investment chooses funds with large fluctuations in net value because funds with large fluctuations have more opportunities to accumulate more low-cost fund shares in the stage of falling net value, and can make quick profits when the market rebounds. Among all kinds of funds, equity funds are more suitable for fixed investment business, such as Guangfa Jufeng, Guangfa Small Cap and Guangfa Jufu Fund. Because this method makes use of the time compound interest effect to make long-term investment profits, it does not need to choose the timing of entering the market, and it also disperses the short-term risks of long and short stock market and fund net value fluctuation.

3. With regard to the fixed investment of the fund, no effect can be seen in less than three years. Moreover, as far as the current China stock market is concerned, it is extremely uneconomical to redeem after five years, because the China stock market may be in a downward channel after five years, so I suggest that everyone stick to the fixed investment of 10 years or so, so the income is very amazing. Regarding the choice of fixed investment funds, I suggest choosing funds of large companies. For those fund companies that can exist for more than 10 years, it doesn't matter which fund it is, because the investment style of the fund is constantly changing with the continuous rotation of fund managers.

4. Fixed fund investment refers to the time, amount and method of deduction agreed by the investor in the relevant sales organization, and the sales organization automatically completes the deduction and fund subscription from the bank account designated by the investor on the agreed deduction date. Because the amount of investment in this way is generally small, investors can make money run automatically for a long time through an agreement, so it is also called "lazy investment law". Similar to the bank's zero deposit and withdrawal method.

For example, investors decide to invest 10000 yuan in a fund. According to the regular quota plan, investors can invest 1000 yuan per month, totaling 10 months. You can also invest in 200 yuan every month for 50 consecutive months.

Different from single investment, fixed-term investment funds have a low starting point and do not increase the economic burden; Automatic monthly deduction has the effect of compulsory savings and accumulates funds for investors; If you persist for a long time, you can still get compound interest income.

5. Regular fixed investment can effectively spread investment risks. When the net value of the fund rises, the fund shares bought are less; When the net value falls, you buy more stocks. In this way, "buy less when going up and buy more when going down" can effectively reduce the investment cost in the long run, and investors don't have to go to great lengths to choose the right investment opportunity.

6. Generally speaking, the fund's fixed investment is more suitable for working-class people with low risk tolerance, young people who have just started working, and middle-aged people with specific financial goals (such as children's education funds and pension plans). Experts suggest that investors can plan their fixed investment according to the actual situation and goals. For example, if you buy a car or a house, you can choose to invest in ICBC for three to five years. If you prepare education funds and provide for your children, you can choose a longer fixed investment period.