Where should I go to make a regular investment in a fund?

If you want to save money, then buy some currency** every month, risk-free, and the yield is at least higher than bank deposits.

If you want to invest in **type**, it is best to wait for a while, the market is relatively weak now, and it is a little less optimistic.

**If you invest regularly, you must be long-term and insist on it, and the risk of a general term of more than 5 years is relatively low.

Whether you are buying a currency** or a fixed investment, you can go to the **company to open an account, you can buy all**, and the subscription fee of some **type** can also be discounted, which is more cost-effective.

In a word, when the economic situation is bad, don't make regular investments because**Basically, it's all invested in**When it's not good, **Ironclad loss is undoubtedly The risk is absolute My friends around me don't listen to my persuasion to buy** As a result, I lost a lot Although I didn't invest much, I was also depressed because I didn't have a correct analysis of the economic form. You might as well go to the bank to make a fixed deposit and wait for ** to be better, but if you can have the concept of investment, it will be very good, and you will definitely be able to become a financial master in the future.

There are many channels for regular investment, such as direct sales of companies, banks, third-party agencies, etc., and the most convenient should be banks.

The main role of regular investment is to share the cost, and the income depends on the performance of the ** itself, and the risk must also exist. You have to choose one or a few good ** first, and then make a regular investment.

Regular investment is suitable for long-term investment, short-term investment benefits are not obvious, in addition, regular investment is suitable for choice, index, both of which are higher risk, because the regular investment is different every month, and the long-term can be amortized at low cost, if you choose a small risk, then no matter whether it is good or bad, it will not rise or fall a lot, and the monthly ** is about the same, it will not have the effect of amortizing the low cost, so, regular investment** It is not suitable to choose a less risky ** to invest regularly. If you have invested for more than three years, choose to have back-end charges, so that there is no handling fee per month, and you can save the handling fee in the long run, if it is less than three years, there is no need to choose the back-end charge, not all of them have back-end charges.

**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.

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.

There are many back-end charges, which are explained in the subscription fee column.

China's market is volatile, so it is recommended to choose a hybrid type, and you can also do a bond-type regular investment allocation.

This year's performance is better than Penghua's bumper harvest, Bank of China's steady profit, Hua'an's stable income, these are very good, and the historical performance is relatively stable. All of them are bond-type**, and the income is relatively stable.

I'm a novice, I want to do **fixed investment, what should I choose**?

For investors with stable income, regular investment** is currently a better way to invest and manage their finances. **Regular investment is the abbreviation of regular and fixed investment**, which refers to investing a fixed amount (such as 200 yuan) into a designated open** at a fixed time (such as the 19th of each month), similar to the bank's lump sum deposit and withdrawal method. It's **buy less, **buy more.

In this way, the cost of the investment can be averaged and the risk can be diversified, so investors do not have to struggle to choose the right time to invest. Regular investment is more suitable for long-term investment. The starting point of regular investment is low, starting at 200 yuan, which does not increase the economic burden, and is automatically deducted every month, which has the effect of forced savings and accumulates funds for investors.

If you stick to it for a long time, you can also get the benefits of compound interest.

Huaxia advantage, Huaxia dividend, and Yinhua wealth are all better, and the income is better. You can choose to invest regularly. The amount of regular investment can be based on your economic situation, and the more you can invest in, the more you will return.

Regular investment is suitable for the long term, and the risk is almost zero. Higher yields. In the case of no money, it is recommended to invest regularly for a long time, and the compound interest rate is higher.