Experts can help recommend two regular investment funds.

It is recommended that you make your own closed-end type with a large discount rate**. For example: 184701**Jingfu. 150002 Dacheng preferred. Why is it recommended that you buy a closed type with a large discount rate?

First of all, the most important thing is the closed** discount transaction, and the discount is 20%-30%, and it can be traded at the same price after expiration.

Secondly, the handling fee of the closed ** is cheaper, and even the open ** direct sales center is not as cheap as the closed ** handling fee.

3. Closed-end ** is easy to realize, the funds arrive quickly, the funds are sold and cashed into the account, and they can be withdrawn the next day. It is much more convenient than opening the base.

4.The investment base is actually your disguise, holding ** at a discount, so it can be said that the risk is minimized.

5.The starting point is low, and the lower limit is one hand, that is, 100 copies, which can be bought for more than 40 yuan. Far lower than the lower limit of open**.

6.The resistance to decline is better than that of the open base, and the annual decline of the closed base is less than 4 percentage points of the open base.

Harvest 300 and Yiji 50 are recommended for reference.

Buy ** tickets, such as the coal Guoyang New Energy 600348, or close ** Fenghe 184721.

Generally speaking, there are three types of regular investment types, and the first type isBond**, This refers to the mixed type of bond **, this part of the bond **, it will invest in a part of the **, but on the whole, the allocation of ** will not be particularly high, and the impact on the net value of the whole ** will not be particularly large, this bond type ** is still mainly bond-based, in terms of yield and risk, it is not so big, it is more suitable for most people. For example, this year, the overall increase in some bond ** is also very good, and even can break through 10% a year, and this yield is also very high, which may be far less than this yield in terms of bank deposits. So for people who like to pursue stability and security, the effect of regular investment in this type of bond** will be better.

The second type is a mix of ** and industry**The feature of these two ** is that the risk and return will become higher. If you mix the type of **, its overall risk and return will be lower than that of ****, and basically the gap is not particularly large. However, people who are not strong in their own risk tolerance are not recommended to buy these, because it is very likely to face losses, many times some ** investors can not bear it when they lose money, and want to cut the meat and leave, at this time it will have a great impact on their own income.

The third type is the index, for example, CSI 300. In fact, if you look at it this year, many people's yields have not outperformed the CSI 300, and the income that can be obtained by investing in these indexes at this time will be relatively good. Of course, it also depends on the situation throughout the year, as well as the specific timing.

If it is said that it is just the highest point, then what kind of ** will not achieve a better income effect, only at the right time **to the right **, can our income take off. This requires individuals to have a better selection ability, for novices to buy ** or need to learn more relevant knowledge, so as to know how to buy**, and how to buy some good **. The same is true for regular investment**, many times you can't go to brainless regular investment.

You can choose the type of bond**. The benefits of this kind of ** are very considerable, the risks are within a controllable range, and they are relatively safe.

You can choose the bond type, or choose the hybrid type, which are very good and relatively stable.

There is no particularly good and stable **, so at this time you can go to the bank for consultation, and you can also directly buy some fixed investment funds from the bank.

This handling fee is the same, it has nothing to do with the quantity, it has to do with the amount, you use the same or similar subscription fee rate for one ** and one hundred **, and the subscription fee for 10 100 yuan and 1000 yuan is the same.

The key is that your **number is indeed too much, generally** the number is controlled in one hand (that is, too many hands, one hand is about the same), one hand is 5 fingers (5), and two hands are 10. Therefore, the number of ** can be controlled within 5.

It is not that it is controlled at 5, it is all a kind of **, which is equivalent to no risk diversification, the so-called risk diversification is to invest in different types of **, such as **** buy 1 or 2, bond ** buy one, currency ** buy one, so that different types of ** different risks, to achieve the east is not bright and the west is bright. If all of them are ****, then once ** is not good, then all ** will be lost, isn't it?

Generally, the main advantages of regular investment are --- (suitable for about 5 years of regular investment), mixed (suitable for about 3 years of regular investment), index (suitable for more than 5 years, the better the regular investment), because these three types of ** volatility is relatively large, more suitable for buying more on dips and buying less on high **regular investment characteristics.

Bonds** and currencies** fluctuate little, the net value does not rise or fall much, and the effect of regular investment is not obvious, but it does not mean that it cannot be fixed, and it is still a good choice as an alternative deposit.

It is recommended to kill those small **companies**, and those who have not made a profit, some of them are loss-making**, it is recommended to hold them for the time being and wait for redemption, do not invest in these **, in short, only leave one or two ** (or mixed**, index**, etc.) fixed investment, and then focus on regular investment in these ** every month (**fixed investment can be for major major events in the future, such as buying a house, buying a car, going abroad, marriage, pension and other needs of special funds, generally no more than 3 regular investment).

There is a fixed investment, some emergency money and family life-saving money can buy some bonds**or currency**, if you already have it, then you can keep it, you don't have to kill, if you don't have it, you can buy one each (the one that should be killed is still killed, killed and killed, bought and bought, and the two are not delayed.) I have spent two or three years fine-tuning the number and type of **, and now it is basically in place) Remember that regular investment must be, don't spend all the money every month, regular investment is not a lot of way to accumulate money, how to get it has been talked about earlier; In addition to regular investment, one-time sometimes you have to buy some; In any case, you must buy at least one bond** and currency**, you can't buy all of them, you can't buy high-risk ones, you don't buy low-risk ones, and you must achieve balanced financial management. Thanks, FYI.

Invest in three indexes, CSI 300, CSI 500, GEM, I invest in 235, I fancy the volatility of the GEM, regular investment is to buy more and more, insist on waiting for a bull market for a few years, but I think most people don't have this patience, regular investment can't make a fortune, compound interest ten points a year can be, don't be greedy.

I feel that your **fixed investment is too much, for example, you can choose two better **type** and a bond**, **type** risky, and bond** income is relatively stable, a balance between the two, it will feel good, only personal opinion, I hope to help you.

**The number is indeed more, but the main disadvantage is that the number is more troublesome to manage, if there is a problem, such as a decline in performance, you have to look at it one by one It is very troublesome.

Generally, three or four regular investment is enough.

In addition, the fee does not matter the quantity.

Speechless. **Regular investment itself is to diversify risk, and you are not buying**. It is recommended that you replace all ** with a ** type or index **, and pool the funds to invest regularly, so that the handling fee is less.

In addition, the income can only be seen after at least three years of regular investment. If you don't have the patience, don't get involved.

Is your ** steadily rising now? I bought one myself, and after 4 years, I lost everything.

Hello, I am engaged in ** sales, one of the biggest differences between us and other ** sales channels is the professional selection. The bank is task-oriented, the Internet platform is a self-selected model, we are selected from nearly 6000 ** in the whole market to recommend to customers, and we can meet your needs at the same time to choose n **, so that you are interested in understanding ZY0011983

It is recommended that you do not say that it is a fixed investment**, and it is best to choose several types of ** to diversify the risk for the safety of funds.

**Class** risky, the corresponding return will also be better (** good times, may also fall a lot), this I focus on the long letter quantification (919983) and the big Moduo factor (233009).

The scope of mixed investment is relatively large, and the impact of ** is relatively small compared to the stock base, and I am currently focusing on China Commercial ** Select (6300015) and Baoying Core Advantage (213006).

In addition, it is recommended that you allocate a certain debt base and currency**. I haven't understood the debt base, so I won't talk about it here. Money** is higher than bank deposits, and liquidity is no worse than bank deposits.

Finally, if you haven't played it before. It's best to understand clearly before entering, and don't just listen to people. You can often go to Hexun.com and Tiantian**.com to see.

The Pharma Index** is worth buying.

Why: In the long run, a big opportunity is the growing aging population. According to China's pension industry plan, China will enter a "rapid aging stage" in the next 20 years.

At that time, there will be an average of one elderly person in every three people, and the total output value of the pension industry is expected to exceed 10 trillion yuan.

In addition, in the context of consumption upgrading, Lao Qian is also very optimistic about the theme of big health. Therefore, the pharmaceutical industry is a direction worthy of long-term investment.

Traded ETF** – CSI 500 Pharma ETF (512300).

In fact, there are many pharmaceutical indexes in the market, but the highest index performance in the past is the CSI Pharmaceutical 500 (000857). Since 2005, the increase in 11 years has been as high as 1249%, and the standard 10 years have earned 10 times.

At present, there is only one index corresponding to CSI 500 Pharmaceutical, which is recommended by Lao Qian, Southern CSI 500 Pharmaceutical.

And then there's the off-the-side**

Tianhong CSI Pharmaceutical 100C (001551).

Guolianan CSI Pharmaceutical 100 (000059).

Both of these indices are tracked by CSI Pharma 100 (000978). In the past 11 years, the past index performance of the CSI Pharma 100 has been even better than that of the CSI Pharma 500 (000857), as high as 1355%, an increase of more than 13 times.

Hello! **If it is long-term, then when is appropriate!

Because if the income of the first is long-term, then his income is mainly related to the investment period, and the relationship between the investment brand and the choice of the brand is large. It also doesn't matter if the timing of investment is involved. It's about investing your money.

A ** company. Let **company pass buy**. **。Financial portfolios in the form of currencies and other forms. I'm going to help you.

Investment. Some ** companies have a strong ability to select stocks in a certain quarter. Maybe next quarter it will be weak. So good base.

Gold managers may change shares frequently. It is good to have what you can have, and at the same time to change shares frequently. The cost has also increased, so also.

Not necessarily a good return.

In short, if you want to invest for the long term, you can choose a combination of ** and index**. 3 of both **

The income of more than one year is basically 15% per year! There is also the choice of a strong ** company. Prevent ** companies.

The financial risk, the other basics! Personally, I prefer E Fund ** Company and Huaxia ** Company.

These two companies have strong management capabilities and company strength.

The risk-return order is as follows: Return, risk from weak to strong.

1 Money Market**.

2 Pure Bonds**.

3 Bonds**.

4. Balanced type**.

5 Mixed**.

6 Index**.

7****。