Is it okay to start making fixed-term fund investments now? I want to buy the ChinaAMC CSI 300 Index. How about this fund?

First of all, you should understand the classification of funds.

Generally, they are stock funds, hybrid funds, bond funds, capital guaranteed funds, and closed-end funds

The first four are open-end funds, which are purchased through banks, securities companies, etc. Just buy them, while closed-end funds are traded on the secondary market.

Secondly, the fund you choose, ChinaAMC CSI 300, is an open-end stock index fund, which is also called a passive fund. Because its stock allocation is selectively allocated based on stocks in the CSI 300 Index, it is relatively passive.

The income fluctuates with the Shanghai and Shenzhen 300 index. Personally, I think the income is average. It depends on the quality of the market environment. This is because companies within the CSI 300 Index usually have good management, stable performance, excellent quality, and are considered to have relatively stable earnings. There will be no huge fluctuations, such as entering ST or going bankrupt or delisting.

In addition, a very important point when choosing a fund is to look at the fund company, fund manager, the length of time the fund has been established, and the long-term performance of the fund (generally at least 1 year, preferably 2, 3 years, 5 years) Due to the replacement of fund managers, it is difficult to evaluate the future performance of old funds that have experienced the bull market in 2006 so far. The advantage of old funds is that the fund managers have experienced both bull and bear markets, making their investments more stable. Of course, there are also fund managers who are overly cautious, resulting in a slow rise in the fund's net value when the investment environment improves.

China Asset Management Company and Industrial Fund Company are both excellent in fund management and capital preservation capabilities. But every fund company does not mean that every fund is necessarily good or bad. It still depends on other factors to evaluate whether it is good or bad. Moreover, choosing a fund and purchasing method are also based on your own tolerance and risk preferences. I don't know the author's risk tolerance.

If the poster has a low income or excessive expenses, a fixed investment of 300 to 500 is good and can share the risk. However, the disadvantage is that the return is not high, and it may even be a loss in a bear market. The advantage is that a little adds up, the opportunity cost is large, and there is a high probability of getting benefits, right? I strongly agree with fixed investment, but I suggest changing the fund type. (Referring to the information that the poster said that he is a moonlight investor and only plans to invest 300-500, I personally think that mixed funds are more suitable. Uh... It’s really just a personal suggestion, I’m sorry)

Finally, You should have a correct attitude. At the beginning, you may demand rapid growth in the net value of the fund and worry about the fund ranking. We should transition to the requirement for the fund's capital preservation ability as soon as possible, because one decline can return the net value of 10 rises to zero. However, although good funds rise slowly, due to their excellent capital preservation capabilities, they will maintain their advantages in today's difficult environment after being eliminated through ups and downs.