What fund to choose for long term regular investment funds, long term 20 years. Please give me some

Hello friends, the current stock index is near the point, if you look at it for more than 20 years, I am afraid it will be even lower, and now is indeed a better time to invest in the world. As long as you get the right time to enter the market, it is no problem to make a profit better than regular savings. The minimum amount of regular investment is 200 yuan per month, and if you don't want to make regular investment, you can cancel it at any time.

Recommended considerations: Golden Eagle Small & Mid Cap Select (162102) and Dacheng CSI 300 (519300). Golden Eagle Small and Mid-Cap Select, is the leader of small-cap stocks, small-cap stocks have better growth, and the continuation of small-cap stocks is bound to surprise the performance of small-cap stocks; What's more advantageous is that Dacheng CSI 300 (519300)** can be subscribed in the back-end fee mode, that is to say, you can subscribe without handling fees now, and then charge subscription fees when redeeming ** in the future, and Dacheng CSI 300 (519300)** has been held for more than 3 years and is completely exempt from subscription fees and redemption fees, that is, it does not spend trading fees at all, and can buy more **shares with the same money, and the capital utilization rate is higher, but back-end charges are a big plus.

The two ** have their own characteristics, which are obviously more advantageous than the others**, and can be considered.

Follow these steps:

1. Have time to go to the online **academy to understand the basic knowledge, understand the types, risks, and so on.

2. Assess the risks you can take and the subsequent use of the funds you want to invest.

3. If it is short-term or has a clear purpose immediately, and you can't bear the risk, buy a currency or bond, the risk is low, and of course the return is also low.

4. If you can invest for a long time and can take a certain amount of risk, because you are a young person, you can invest in a hybrid or ** type, but you must choose a suitable industry investment, such as consumption.

Finally, the most cost-effective way to choose is to open online banking, and buy from **company**, and the handling fee is the lowest.

**Regular investment is a financial management method with free time and low difficulty coefficient, which is the best choice for beginners. But there are still many friends who say that **regular investment does not make money, that is, you fell into a few pits of **regular investment, today I will talk about the skills and common pitfalls of **regular investment.

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3. Are bonds** and currencies** suitable for regular investment?

It is best to choose**fluctuate more than that**.

Regular investment can make the fluctuation smooth, but some people choose to invest in bonds, currency, this kind of volatility is small, if the fixed investment bond base or cargo base, it will not make any sense.

Especially in the unilateral bond bull market, if you want to get a high income, then invest in a lump sum.

Therefore, buy volatile ** when you invest regularly. There are many types, and I recommend partial stocks** or index** regular investment.

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**Regular Investment:

1.Insist on no less than 10% of your monthly income every month, and 20% will be used for regular investment.

2.It is recommended to invest in index** or **, not bonds** and currencies**. Recommend CSOP 300, CSOP SZSE Component Index ETF (back-end fee)...

3.Select the old ** with stable performance for more than three years in famous brand companies. The old ten ** companies are: Huaxia, Bosera, Harvest, Nanfang, Cathay Pacific, GF, Fuguo, E Fund, and Dacheng.

4.It is best not to be lower than one market cycle, that is, not less than the complete process of a bull and bear market. It is better to go from bear market to bull market and not from bull market to bear market.

In fact, the best regular investment is to continue to invest for more than ten years, every month, without interruption, and it is best to invest for life.

5.Don't be too scattered, it's best to choose one to two good ** and keep casting, don't change around, and don't be too scattered.

6.Don't be afraid to terminate the regular investment in the bear market, but instead increase the regular investment, because you can have more chips.

The bull market can be less fixed, but it does not have to be terminated, and it is never necessary to invest more in the bull market, because the more you are on the high, the greater the chance of the future. It is recommended to use regular investment every other month in the bull market, that is, to remit money to the card every other month, so that it can be traded, and the money of the month that has not been invested is accumulated on the side, and when the low price of the bear market is low, you can eat more shares at one time or in batches, and the bear market fixed investment is still carried out.

7.Don't stop deducting for three consecutive months, the regular investment agreement will be automatically terminated, and it will have to be opened in the future.

8.Long-term regular investment is recommended to choose: dividend reinvestment + back-end fees.

9.Set the right mentality, don't waver, stick to the regular investment every month, and don't be affected by the outside gossip and terminate the regular investment. With just a few hundred dollars a month, you can build a good financial foundation for the future.

What** is suitable for long-term regular investment:

1. High long-term returns.

Regular investment is a relatively long process, Doumei has always recommended that you invest for at least 3 years, so we have to choose a high long-term rate of return.

2. Large fluctuations.

3. Stable quality.

Since you want to invest for a long time, of course, you should choose a stable management team, and frequent changes in managers will often lead to a decline in performance.

Currency**, bonds** fluctuate little, the dilution cost effect of regular investment is almost non-existent, and there is no difference between one-time investment, and the yield is very different from the hybrid ** and **, so these two types of ** are not suitable for regular investment.

The most suitable for regular investment is the partial stock type, which is divided into two categories according to the management method, the partial stock active type and the index type (passive type).

Therefore, it is generally used for regular investment, at least to meet the basic conditions of long-term return with a certain positive expectation, or with obvious cyclicality.

Regular investment is a better way to invest in financial management, which can better avoid risks, but regular investment generally requires long-term investment.

Choose the right type, index, type, more suitable for regular investment.

To choose a good company, we should choose a company with a certain reputation.

Pay attention to the number of years of establishment, the longer it has been established, the more suitable it is for regular investment.

Pay attention to the manager's past performance, if you are passive, you don't need to pay attention to the manager.

Pay attention to the allocation of internal assets, from the perspective of risk aversion, the correlation of various assets should be weaker, and at the same time, it is necessary to avoid the "sunset industry".

Both index and **type are suitable for long-term fixed investment, and it is necessary to choose those underlying stocks that are in a high boom and high track.

Extended information: 1. A few simple tips to teach investors how to choose a high-prosperity and high-track **:

1. Look at the underlying stock or the industry to which the company belongs, if there is an industry supported by the state, it is a high-prosperity industry, and if it is an industry suppressed by the state, it belongs to the sunset industry, and it is not considered at this time.

2. Check the past performance of the ** manager, although the past performance cannot represent the future income, but the past performance is higher than that of other ** managers, indicating that his return on investment is higher than others, and the future is also trustworthy.

3. Looking at the experience, 5-10 years is preferred. There is a saying that China has been rotating for bulls and bears for 7 years, and the best managers who have experienced bull and bear markets have more experience than others.

4. Check the maximum drawdown of the ** manager, the maximum drawdown can see the anti-risk tolerance, the maximum drawdown within 3 years is best within 30%, and the higher the ranking of the same kind, the better.

2. The benefits of long-term regular investment:

**Regular investment refers to investing in a fixed amount at a fixed time into a designated open**, and there are the following benefits of insisting on long-term regular investment:

1. Compound interest effect.

The income of the regular investment plan is a compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income, and the compound interest effect becomes more obvious over time through the effect of rolling interest.

2. Average investment cost.

The regular investment funds are invested in installments, and the cost of investment is high and low, and the long-term average is relatively low, which disperses the investment risk to a large extent.

In the process of long-term regular investment, investors should choose to carry out regular investment operations when they are in the channel, and when they are in the channel, they can reduce their holding costs, diversify risks, and wait for the net value to achieve the effect of smile curve; You can set the take-profit level to ensure its returns, and there is no need to set a stop loss, and at the same time, change the dividend method of regular investment ** to dividend reinvestment.