When people invest, fund fluctuation always bothers us, so how to find the right time to rush into the market has become a big problem for Xiaobai. In fact, the fixed investment helped the people solve the untimely problem.

Through fixed investment, you can save the trouble of timing, which is very suitable for novice Xiaobai who has difficulty in timing and wants to save effort.

Therefore, the corresponding funds that are most suitable for fixed investment are those that need to consider timing before buying. Therefore, stock funds with large fluctuations in performance are actually more suitable for big investment!

For stock funds, we can simply divide them into two categories-active stock funds and passive stock funds (index funds).

If you are willing to give more control to the fund manager and let the fund manager help you choose the right stocks to invest and help you manage your assets better, then you might as well try active funds. Fund managers of active stock funds will invest according to their own investment vision and professional ability, and strive to achieve performance beyond the market.

However, it is not easy for a novice to choose a good active fund. We should not only consider the fund manager's ability, investment style and heavy position, but also consider the stability of the fund management team. Therefore, while pursuing high returns, we should also consider certain risks!

Some people may say that I don't have a pair of eyes to screen fund managers, but I also want to pursue higher long-term returns. What kind of fund should I choose?

For this kind of small white, passive fund, which is often referred to as index fund, is a good choice. Index funds track specific indexes for investment, and fund managers do not have to take the initiative to select stocks, which has relatively little impact on performance. When you choose an index fund, you don't have to choose a fund manager, just choose the index you are optimistic about!

Index funds can be roughly divided into industry index funds and generalized index funds. If you are optimistic about an industry, you can try an industry index fund and enjoy the dividend of industry development.

However, if you are new to the industry choice phobia, then the broad-based index fund may be more suitable for you. Broad-based index funds often have a large number of constituent stocks, do not focus on a certain stock or a certain industry, and have a wider range of investments, such as the well-known Shanghai and Shenzhen 300 Index and the CSI 500 Index, which are especially suitable for novices who do not have much experience in fixed investment!

Seeing this, I believe you have mastered the tips of choosing a base for a fixed investment. But just like fitness, when and how often do you choose to run? There are also many small doorways for fixed investment. In the next article, Bian Xiao will also reveal more skills about fixed investment. If you want to know other little knowledge about fund financing, you can also interact in the comment area!

But both active funds and passive funds must be adhered to for a long time. Just like keeping in good health, persistence is effective. I hope everyone will "invest" and reap early!