There are many types of funds, which fund is better for me to invest in regular investment? Help rec

If you are a newbie, then you need some guidance from those of us who have a little experience.

If you choose, you generally look at past performance, and you have to have a period of exploration for this. Here I will recommend it to you directly.

Like 070002 Harvest Growth, 161005 Fuguo Tianhui, and 163302 Damo Resources are all very good**, they are firmly in the top three in the 5-year fixed investment list, and the three-year ones are also among the top five. The characteristic is stability.

If you invest regularly, what you pay attention to is stability, so these 3 ** are worth investing in.

Of course, you didn't make it clear about your monthly fixed investment amount, and I didn't know your risk tolerance, so I couldn't give a specific plan.

In addition, I sent you a message, pay attention to the upper right corner of the page, click to reply, or you can also go to my 100 space, we can communicate in detail and help you formulate a specific regular investment plan.

Rongtong Shenzhen 100 Index**.

Based on Shenzhen 100, it is a few good.

**Stage Buying Index** is the best return, and the risk is also large. If you buy the amount of funds, you can also buy ETFs, and at the same time, you can configure a hybrid** with moderate risk, or bonds** to control the risk, and the currency ** has good liquidity.

It should also be based on your own risk tolerance and return expectations.

**Using the hard-earned money of the people to chase the rise and kill the fall, the rat warehouse is rampant, **participating in the additional issuance, pushing up the issue price of new shares, is actually one of the sources of China's long-term weakness, and it is not recommended to buy.

If you really want to buy, it is best to buy some index on the basis of your own knowledge and judgment, and you can control the pace of buying.

There are many types of, different types represent different risks and returns, and there will be a lot of them below, many novices are very confused when they look at them, so which type of novice is good? Which type is more suitable? Relevant content has been prepared for your reference.

If it is a regular investment currency, then it is of little significance, because the risk of the currency itself is very small, the income is relatively stable, and the fluctuation is relatively small.

For example: **, mixed**, index**, etc., because **fixed investment is the same behavior at a specified time, no matter how the market fluctuates, a fixed weekly or monthly ** fund, you can also increase or decrease the investment according to the market, so that you can average the cost and diversify the risk.

In addition, it is worth noting that after the fixed investment, it is redeemed, and it is necessary to grasp the timing when redeeming, if this ** reaches the take-profit line, it will be redeemed, so that the money will be in the pocket. If this ** keeps falling and is in a state of loss, then you have to increase your position on dips**, buy big downs, buy small downs.

Generally, the take-profit redemption can refer to the ** past performance to set the take-profit line, for example, set to 20%.

For example: Xiaobai**1000 yuan**, set the take-profit point of 20%, when ** reaches the take-profit point, there are two redemption methods:

Method 1: Redeem all 1,200 yuan, the disadvantage is that you may miss the later rise**.

Method 2: Partial redemption, for example, 50% redemption, i.e. 600 yuan, and the remaining 600 yuan depends on the later market**.

If you plan to invest regularly for a long time**, it is best to choose one with back-end fees**, so that there is no handling fee every month**. Regular investment** is suitable for choosing **type and index type**, because they fluctuate greatly and can effectively amortize costs.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a back-end fee for regular investment. Not all of them have a backend. For example, Nanfang 500, Dacheng 300, Industrial Trend, Desheng Advantage, Bank of Communications Stable, GF Jufeng, etc. all have back-end charges.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

It's a long-term investment, and if you're buying and selling with a mindset of a few months or a year, it's very risky.

Keep in mind that investing is definitely risky, and whether you can make money depends on the probability.

Performance varies widely from time to time**. Holding two points, the performance depends on the Chinese economy, and the longer the investment, the lower the risk.

If you are optimistic about China's economy for a long time and can insist on investing for 5 years, you can consider the index type, that is, the index ETF, which is basically chosen with your eyes closed, and the overall difference will not be very large. Pick the largest ** company on Huaxia 300, GF 300.

If you can stick to investing for a year, if you want to make some money traveling, buy a veteran or choose a good manager, such as Huaxia Dividend (regular investment), Harvest theme, and E Fang.

If you want to make money this year, you should pay attention to the great risk, and I am optimistic about investing in small and medium-sized caps, such as ChinaAMC Small and Medium-sized Board ETF (buy on the market), E Fund Small and Medium-sized ETF

**Regular investment depends on your investment goals and risk tolerance, and allocates different types according to your needs**.

My recommendation: ****, value-based**-China Universal Value, Harvest Research Selection, Bosera Theme.

Growth-GF Jurui, Galaxy Growth.

Stable Hybrid**: Wells Fargo Tiancheng Dividend, ChinaAMC Return, and BOC China depend on your personal situation. It is not recommended to buy index ** fixed investment, the risk is high, and the return is not necessarily equal.

If you don't understand anything, please sincerely welcome to ask; If you are lucky enough to help you, please adopt it in time! Thanks!

Buy indices**.

Similar to Harvest 300, E Fund 50 and so on.

But before you buy, you have to look at a few more by yourself, compare and contrast, and learn more by the way, and you can consider buying **** with a high risk tolerance, which means that there is a possibility of losing money, and many **companies have their own stars**. Pay attention to the products of large ** companies such as Guangfa, Nanfang, and Bosera.

Choose according to your risk tolerance. However, history has shown that ** is often lower than bank regularity.

I have always felt that ** is a good development industry, but I also know that ** market itself is very complex. If you want to make a regular investment, what type of investment will be safer to choose?

If you are already planning to invest funds, then it means that the investment will be carried out for a long time, so you must ensure that you have enough principal in your hands, so that you can buy, it is recommended that you can buy some better performance, because these are good things in the medium and long-term performance, and there is great growth. If you want to make a regular investment, then it is best not to be too risky, if the risk is too great, it may make you more likely to bear losses.

In the **market or **market, many people want to gather as much as possible to avoid risks, so at this time they don't want to buy too risky**, but if you choose to invest regularly, then it is recommended that you choose to choose performance fluctuations are relatively large, because these funds are more friendly to us, and there may be profits and losses if there are fluctuations, so I feel that the risk of regular investment itself is relatively small. If you go to buy a more stable **, it may cause you to have no income, so you can choose a performance fluctuation, the greater the fluctuation, the greater the profit and loss, so you can use the fluctuation of ** to get some gains.

In fact, the previous fixed investment itself is a relatively long-term process, so during this period of time, everyone sees the income of long-term investment, so the index ** and the medium and long-term performance ratio is better, this kind of ** is actually a good choice. I think everyone must have a certain forward-looking approach to the development of the market, and don't be afraid during this time.

It should be to choose**class**, it will be later, you may not lose a lot of money, of course, you may not make a lot of money, and it is best to choose to invest in some more stable industries, so that the income is very stable.

At this time, you can choose some more stable, but also choose the country attaches more importance to the development prospects, you can choose new energy, you can also choose heavy metals, you can also choose the bank type of products.

It is better to choose a volatile one, so that you can have a good profit, and as long as you take advantage of this opportunity, you can make a high profit.

Zhaoyungang stocks**. This kind of ** is relatively stable, the scale is relatively large, and the risk is relatively low.

**Regular investment is to buy the same at the specified time**, so since it is a long-term investment in the same **, then**regular investment to choose a good ** is very important, if the choice is not good, has been losing, will lose more and more, so**how to choose**? How to choose a good **?

First of all, we choose ** when we invest regularly, we must understand the range of risk we can bear, and the following is a ranking from ** risk, return, and volatility, the specific details are as follows:

Risk: stock base (index base) > cargo base.

Profitability: stock base (index base) > cargo base.

Volatility: Stock base (index base) > cargo base.

Generally speaking, the risk of pure debt ** and bond ** is very small, more suitable for one-time investment, more labor-saving, if the risk tolerance is very low, you can also deposit when you want to deposit when you pay a fixed salary every month.

However, generally speaking, regular investment is more suitable for stock base (index base) and mixed base, this kind of risk is relatively large, and regular investment can diversify its risk. In addition, you may choose according to the range of risks you can bear, and the second noteworthy point is the manager, because we buy the manager to concentrate the money on the manager to invest, if the manager changes frequently, or the historical performance is not good, then it is easy to lose money.

Therefore, when we buy **, we should look at the manager's past rate of return, return on employment, other ** historical performance and so on to comprehensively select a good ** manager.

Finally, there is the industry, investors can choose to invest in the development of the industry with great prospects, high profit-making effect of the industry or good stability of the industry.

In general, there are many factors to be taken into account in regular investment, mainly including the type of investment, manager, investment industry, maximum drawdown rate, annualized volatility, Sharpe ratio, etc.

**How to choose regular investment? Please tell me five steps to choose a reliable **! First, you can look at the cumulative net growth rate.

**Cumulative Net Growth Rate = (Cumulative Net Share - Unit Face Value) Unit Face Value. For example, if the cumulative net value of a ** share is the defense yuan, and the face value of the unit is yuan, the growth rate of the cumulative net value of the ** is 18%.

Secondly, you can examine the bonus interest rate of **. Bonus Ratio = Accumulated Bonus Amount Face Value. Taking Rongjie SZSE 100 Index as an example, since its establishment in September 2003, it has paid dividends 7 times, with a dividend ratio of 16%.

One of the prerequisites of dividends is the need for certain benefits, which can realize dividends and ongoing dividends, which to a certain extent reflect the ideal operating conditions of the **.

Thirdly, the gains are comparable to the trend. If the performance of a **** most of the time is better than the ** index of the same period, the management of this ** can be said to be effective. Choose this ** for regular and fixed investments, and the risk and return will reach the desired consistent state.

Fourth, the benefits can be compared with others of the same type. Generally speaking, different risks and different categories should be treated differently, and it is of little significance to directly compare the performance of different categories.