What is the right fund investment product to buy now?

1. Excellent historical performance. For the past year, three years, and five years, choose the top 1 4 **, and then choose the right one in it. The filters of each **** can be found.

2. Long-term hot industry. In the medium and long term, Minions most respect the military industry** and the pharmaceutical industry**. You can carefully analyze which ** in recent years** rushed to the forefront of almost all military industry**, and it fell and rose, which is good**.

The performance of pharmaceuticals is relatively more stable and is also a good choice. The concept of short-term phases**, not sustainable, is not recommended to play.

3、**etf。Currency depreciation and frequent global economic crises have made the performance expected in recent years. Proper regular investment is enviable.

4. Refer to the number of commands**. The index is mainly divided into blue chips or heavyweights, such as CSI 50, CSI 100, etc., the smaller the number, the greater the weight of the linked **; The CSI 300 and CSI 500, which are large in number, are often linked to small and medium-sized enterprises.

**Regular investment is a long-term investment strategy, which diversifies investment risks and achieves long-term steady growth by purchasing ** shares on a regular basis. Choosing the best of the right friends is the key, and here are a few aspects worth considering:

1. Type: Choose the appropriate type according to your own risk tolerance and investment goals. For example, if you want steady growth, you can choose a partial debt** or an index**; If you're looking for high risk and high reward, you can choose either a hybrid or a hybrid option.

2. **Company: Choose a ** company with a good reputation and a professional management team. The strength of a company can be assessed by looking at its historical performance, scale under management, investment strategy, and more.

3. Expenses: Pay attention to management expenses and sales expenses. Low fees** are more conducive to the accumulation of long-term investment returns.

4. Performance: Understand the historical performance, including annualized rate of return, risk indicators, etc. However, it is important to note that past performance is not indicative of future performance, and other factors need to be taken into account.

5. Investment objectives: choose the appropriate one according to your own investment goals and time. If you are a long-term investment, you can choose growth**; If you're investing for a short-term period, you can choose the Moderate Type**.

To sum up, the selection of regular investment should comprehensively consider factors such as type, company, fee, performance and investment objectives. It is advisable to conduct sufficient research and comparison before choosing, and you can consult a professional financial advisor or manager to get more accurate advice.

**Regular investment should choose the most volatile **type** and hybrid**.

The premise of the effectiveness of the regular investment strategy lies in the change of net value, that is to say, the more severe the change in the high and low, the more obvious the effect of the regular investment strategy. It can be assumed that in an extreme case, if there is no trace of fluctuation in a ** and it is yuan every day, then the effect of regular investment and single investment is the same. Based on this, the answer is already obvious:

Regular investment should choose ** and mixed ** with large net value volatility.

Extended information: 1. According to the different investment objects, it can be roughly divided into four categories.

1. The cargo base, that is, the currency type, mainly invests in various liquid short-term bonds, short-term financial instruments, and cash. The cargo base is highly liquid and has little risk, and some of the cargo base is almost equivalent to cash. The most typical Yue Bao is currency**.

2. Bond-based, that is, bond-type, mainly invests in various types of bonds such as treasury bonds, corporate bonds, and corporate bonds. Bond-based yields are slightly higher than currencies** and are less risky.

3. The stock base, that is, the **type**, mainly invests in various types of companies. The stock base is risky, the return is relatively higher, and the volatility is greater than that of the ** market.

4. Hybrid**, investing in ** and bonds, naturally, the return of hybrid ** is between the bond base and the equity base, and the risk and volatility are also between the debt base and the stock base.

Second, the concept and advantages of regular investment: regular investment is in accordance with the preset period and amount of investment specific, its advantage is to rely on the extension of the investment period to dilute the cost, smooth the risk, its essence is to automatically reduce the purchase share when the net value is high, automatically increase the share when the net value is low, in the bull short bear long environment, you can ensure that the low net worth when the purchase of more shares, so as to reduce the overall purchase cost.

3. Index**, as the name suggests, is a product that takes a specific index (such as CSI 300 Index, S&P 500 Index, Nasdaq 100 Index, Nikkei 225 Index, etc.) as the underlying index, and takes the constituent stocks of the index as the investment object, and constructs a portfolio by purchasing all or part of the constituent stocks of the index to track the performance of the underlying index.

Generally speaking, it is relatively better to choose the **type with high volatility** when making regular investment, because the greater the volatility, the more obvious the compounding effect of regular investment, and the volatility can evenly distribute the risk. But not everyone likes high risk and high return, so it is also necessary to choose according to the risk tolerance of investors.

Extended Information]:

1. Aggressive investors: You can choose to invest regularly with high volatility and drawdown rate, because the risk of high risk is relatively high, and high risk may win high returns; The second is that the drawdown rate is large**If the regular investment is after the high point, it may be quickly ** before the retracement after the drawdown, so the regular investment can dilute the cost at the time.

Prudent investors: you can choose index** fixed investment, index ** is equivalent to buying a basket**, the risk is relatively small, and regular investment on this basis reduces the risk again, so index ** is suitable for prudent investors. Whether it is a stable investor or an aggressive investor, when choosing the best, you must choose a new product with a good track and high growth, rather than choosing a sunset industry fixed investment.

2. **, English is fund, in a broad sense, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust investment, provident fund, insurance, retirement, and various wills. From an accounting perspective, ** is a narrow concept that refers to funds with a specific purpose and use.

We refer to **investment** mainly.

3. According to different criteria, **investment** can be divided into different types: (1) according to whether **units can be increased or redeemed, it can be divided into open-ended ** and closed**. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2) According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

The biggest advantage of regular investment is to diversify investment, diversify the risk of buying at a high level, spread the cost, and spread down the previous high level through the timing of the low entry, so as to achieve the effect of continuous profit at the high point. With large volatility and high returns, choosing the best regular investment can diversify the risk of the first in batches, and at the same time grasp the rate of return.

Regular investment is a time-fixed amount, time-saving and labor-saving way of financial management, investors who do not understand it at all can operate, similar to the bank's zero deposit and withdrawal, investors can choose daily investment, weekly investment, monthly investment three ways. Investors can choose according to their own risk appetite**:

1. Investors who pursue high risk and high returns can choose to make regular investment because of the volatility of this type, which can win high returns.

2. If investors who want to pursue stable income can choose to invest in the index**, the risk of the index** is relatively small.

3. Bond** or partial debt** is not suitable for regular investment, and is more suitable for one-time investment.

Extended information: How to choose a good one**?

First of all: look at the past performance of the manager, the higher the past performance, the stronger the manager's risk control ability, position adjustment and stock exchange ability;

Secondly: look at the experience of the manager, it is best to choose the manager who has experienced a bear market; It is best not to exceed five in the number of ** management;

Finally: the **type** chooses the more volatile**, while the index ** can choose the low valuation and good growth**.

On the day of the new stock lottery, the investor should deposit the funds in the ** account before 16 o'clock in the afternoon, if there are no excess idle funds, they need to sell ** or transfer from the bank card to the ** account, and the system will automatically deduct the corresponding amount. If the available funds are insufficient, the payment is deemed to have been waived.

If an investor has won the lottery three times in a row but has not paid in full within 12 consecutive months, he or she shall not participate in the online IPO subscription for 6 months (calculated on the basis of 180 natural days, including the next day) from the day after the latest declaration of his or her abandonment of subscription.

After payment, investors wait for a few working days, and they will generally be listed, and after listing, they can choose to sell or continue to hold according to the trend of the stock price. Generally speaking, if the new stock can continue to be held without opening the board, if the board is opened, it means that there are funds to cash out, and the probability of the market continuing to close the board is small, and investors can appropriately reduce their positions.

1. Combined with the target of regular investment, market, etc., choose the right **variety: not all**, regular investment can be earned. In the market environment of different splits, different types of ** will play different roles, such as in the bull market, you should choose the partial stock **, index**, so that the probability of outperforming the index will be very large.

And if you enter a bear market, bonds**, capital protection**, and currencies** should be good choices.

2. The criteria for selecting ** regular investment: It is not quite the same as ordinary purchase** (one-time purchase of jujube ants in Luyan Shed), and the selection of regular investment ** not only values profitability, but also values the stability of ** state.