Master Jimin, please help?

1。Your bank friend is generally right, but his recommendation is not very good.

Index**Long-term regular investment is OK, but choosing CSI 300 as the target is not very good, not as good as the index of SZSE 100 or CSI 500 index**.

2。You can pay attention to the growth rate of net worth, which can be seen from the company's official website. The day's situation will be updated at 8-9 p.m. every day.

3。I suggest you choose another one, even if it is the ** of the SZSE 100 Index, E Fund SZSE 100 Index. CSI 300 is not very recommended, and the performance in recent years shows that the overall performance of CSI 300 belongs to the middle and lower reaches.

4。Harvest 300 is still the CSI 300 index, not recommended, not recommended by Huaxia growth, China's best ones are closed, and those that are not closed are average. This is Huaxia's strategy.

5。If your risk tolerance is medium to low, it is recommended to invest in a hybrid or balanced type**. Recommend Harvest Growth or Huaan Baoli or Galaxy Steady.

6。The rate of return of regular investment really can't be calculated for you, because the future situation is innumerably unknown. Regular investment** and there are new costs every month. ** fluctuations are frequent, even if the simulated data is used to measure, the reference significance is not very large.

7。Approximately, 300 yuan per month, insist on 20 years, the principal part is 72,000, and the income part after 20 years is about 80,000-110,000. I am compounding the compound interest based on the conservative average hybrid** annual return of 8%.

But only as a reference.

I hope it can help you, and you can ask me directly if you have any questions.

Me!! It is recommended to buy China Merchants Investment, I heard from a friend that it is not bad and has stability.

**Smart Regular Investment is a special business launched by China Merchants Bank, customers can invest in a fixed amount (such as 300 yuan per month) at a fixed time (such as the 8th of each month), and the monthly deduction will be automated, and the long-term investment income is objective. You can also open the smart investment service through China Merchants Bank's online banking.

**What are the advantages of Smart Auto-Investment?

Avoid timing risks and reduce investment costs.

To take the simplest example, a fixed investment of 300 yuan per month, a large amount of market ** within 3 months, the net value of the first phase of purchase is RMB, the net value of the second phase is 1 yuan, and the net value of the third phase is RMB, what is our investment cost? Many people think that it is 1 yuan, in fact, the investment cost is the share obtained by dividing the investment amount, which is 900 1100=, that is to say, when the net value returns, it will return to the capital, and the net value is higher than the profit. Just like starting the regular investment at 6124 points, and insisting on it at 1600 points, **When it returns to more than 3000 points, the income of the regular investment account is a high probability event.

Discipline investment to effectively avoid timing risks.

Greed and fear are human weaknesses that often make us miss opportunities. Through regular investment, you can avoid the risk of timing and prevent investors from chasing the rise and fall.

Long-term investment compound interest accumulation.

Taking GF Jufu**, which has been established for the longest time, as an example, it was established in December 2003, assuming that the first working day of each month will be deducted from January 1, 2004, and as of December 31, 2009, during this period, the Shanghai Composite Index has reached a minimum of 998 points and a maximum of 6124 points, after a three-year bear market and a two-year bull market, the return rate of the regular investment account is 147%, and the annualized rate of return has reached.

Automatic deduction, worry-free and effort-saving.

**Regular investment has the advantages of amortizing costs and not choosing the right time, which is especially suitable for investment in ****. The macro economy is cyclical, there are also bull and bear markets, although most of the world's ** can maintain an upward trend for a long time, but in a cycle often have to go through the process of **and**. Therefore, for investors who intend to invest for a long time, they should also pay close attention to the business cycle of the economy and even the economy in specific operations.

According to the recommendation materials of most ** companies, the ** regular investment can give full play to the advantages of amortizing costs, and enter the market at any time to avoid the trouble of choosing the time. For regular investment, it is appropriate to enter the market at any time.