The fund is recommended for 3 years, 5 years, and 8 years20

**How long you can grasp this for regular investment, it doesn't matter if you have three years, five years or eight years. In general, the longer the better. But you have to see the right time to come out. Otherwise, when a big bear market falls, your earnings will be discounted!

Adhering to the strategy of "focusing on the undervalued broad-based index, supplemented by the industry index", long-term regular investment can generally obtain good returns, and the probability of loss is very small. The reasons are generally as follows:

1. Broad-based indices are generally indexes composed of leaders in preferred industries, with high investment value, regular investment in the case of undervaluation, and good returns can generally be obtained by selling when overvalued.

2. The broad-based index contains a basket**, which has the characteristics of immortality and can diversify investment risks.

3. A shares have an obvious feature, they like to skyrocket**. Generally speaking, regular investment in an undervalued index** can generally get a positive return in 1 year.

4. It is difficult to invest in industry indexes, so you need to combine the actual situation and play the best investment. General medicine and consumption are easy to come out**.

Finally, regular investment generally requires patience, insisting on underestimating the index with regular investment, and leaving the rest to time.

In three years, whether to make money, this should be related to**, if **can continue to go well, there is no problem with regular investment to make profits for three years, if **has not been good, **will also lose.

In addition, regular investment** is suitable for long-term investment, and the longer the time, the less risk will be.

Regular investment is suitable for long-term investment, and it is best to choose one with back-end fees**.

There are many back-end charges, such as: Dacheng 300, Southern 500, Rongtong 100, Industrial Trend, Desheng Advantage, GF Jufeng and so on. Auto-Investment** can also be redeemed at any time.

**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.

Whether the three-year fixed investment will lose money mainly depends on the type.

If you invest in currency**, it is impossible to lose money.

If the regular investment bond type**, the probability of loss is very low, but there is also this possibility, if the regular investment hybrid ** or **type**, then the probability of loss is still very large, so the regular investment of different types of **, there must be a corresponding regular investment time.

The lower the risk, the lower the probability of loss during the short investment time, and the greater the volatility, the longer it takes to reduce the probability of loss at maturity.

This is a simple problem of proportional series, 20% per year, it can be achieved, according to what you said, 20% per year, the monthly return is, so calculated, the return after 5 years is about 63%, and the sum of principal and interest is 300 60

Why is it completely achievable, with past data, the fixed investment income of Huaxia Dividend in the past 5 years is 105%, Harvest Service is 108%, and Huaxia ** is 287%, so the key is that you buy that **.

Good luck, I said above**, now only Harvest Services can buy, the other two have stopped subscribing, if you buy it, there should be 20% income per year.

Compound interest, the proportional series is the algorithm of compound interest, it is already compound interest, with the cost set to 1, the first year's income of 20%, it becomes 1 120%, and the second year increases by 20%, it becomes, and so on.

But you are a monthly fixed investment, just according to the monthly income, the specific night is not to say, it is estimated that you will faint when you listen, according to what you said, 20% of the income, 5 years after the income is about 63%, and the principal and interest are 300 60

It's too whimsical to earn 20% a year This trading is too profitable, you can just calculate it according to the compound interest of 3600 a year 20% a year.