★ ​​“Lazy Investing” starting at ￥10​​, with step-by-step app tutorials – grow “wealth snowballs” with spare change! Perfect for overspenders!
★ ​​Cute comics demystify finance​​: Duck-and-dog dialogues explain “Regular Investment” and “Net Asset Value” – rookies become fund experts!
★ Use regular investment for forced savings + averaging out risks: Boost your worth steadily, even on a low salary!

This book vividly explains fund investment basics through ​​illustrations + comics​​, using an adorable rubber duck character to guide readers into a fun yet substantial fund universe.

Covering practical fund strategies and core concepts—from fundamentals to hands-on operations (like Smart Regular Investment)—it delivers ​​knowledge-packed guidance​​ for building your effortless wealth-building plan.

​​Xiaolan​​

Long-term investment practitioner who simplifies fund DCA strategies for building sustainable portfolios through step-by-step guidance.

Chapter 1 Funds? So Easy!​​
Fund Categories 2
Money Market Funds 4
Bond Funds 8
Stock Funds 10
Hybrid Funds 12

​​Chapter 2 How to Start Fund DCA​​
Why DCA? 17
The Smile Curve 19
What Is Fund DCA? 21
What Is Smart DCA? 22
Extra: Buying Funds on Alipay 26

​​Chapter 3 My Fund Selection Tactics​​
Fund Ratings 31
Fund Managers & Companies 49
Fund Analysis & Risk Assessment 55
Fund Size & Managers 55

​​Chapter 4 Buying Funds for the First Time​​
Why Your First Fund Matters 60
Pre-Investment Prep 61
Best Time to Buy 65
A Helper Arrives! 67
Best Time to Sell 69
When to Cut Losses 70
Funds Worth Holding Long-Term 71
Market Sentiment & Signals 72
Index Fund DCA: "Stay Steady" 75
Step 1: Identify Fund Type 81
Step 2: Check Basic Info 82
Step 3: Review Performance & Manager 84
Step 4: Assess Risk 84
Step 5: Calculate DCA & Returns 85
Step 6: Understand Strategy 85

​​Chapter 5 Why DCA? Maybe You Can’t Time the Market​​
Why DCA? 89
Profit-Taking Methods 91
Setting Profit Targets 93
Continue After Profit-Taking? 95
Auto Profit-Taking 96

​​Chapter 6 Hindsight Is 20/20​​
Money Market Funds: More Than Small Gains 100
Risks of Money Market Funds 101
Why Not Chase Trends? 102
Prefer Established Funds Over New 103
Comparing Annualized Returns 104
"Oops! Wrong Allocation!" 107

​​Chapter 7 How to Pick Funds?​​
Bond Fund Types 112
What Are Bonds? 113
Bond Fund Categories 115
Step 1 for Newbies: "Know Your Bonds" 116
Bond Fund Risks 122
Long-Term vs. Short-Term Bonds 126
Bond Fund Performance 126
Can Funds Plunge? 127
Convertible Bonds’ Popularity 130
Why Pure Bond Funds Are Safer 131

​​Chapter 8 Flexibility of Hybrid Funds​​
Investment Scope 136
Hybrid Fund Positioning 137
Hybrid vs. Stock Funds: Returns Comparison 138

​​Chapter 9 Diversify Risks​​
Fewer Eggs in High-Risk Baskets 144
Index Fund Strategies 144
Broad-Based vs. Sector Indexes 147
Customized Portfolios 149
Life-Stage Allocation 150
Regular Rebalancing 152

​​Chapter 10 Crafting Your DCA Plan​​
Define Goals 154
Set DCA Amount 155
Variable DCA Amounts 156
Set Profit Targets 159
Automate "Money Growth" 160

​​Chapter 11 Financial Freedom​​
How Much Is Enough? 163
Calculate Your Savings 164
Save 3 Months’ Expenses First 167
Set Micro-Goals 168
"Poor Man’s Trinity" Investment Model 170
Compound Interest 174

​​Chapter 12 Other Fund Topics​​
Structured Funds 180
QDII Funds 180
Hold Losing Funds? 181
Short-Term Fund Trading? 182
Sell After Small Gains? 183
DCA vs. Lump Sum Returns 191
Why DCA Suits Bonds Less? 192
Skip DCA on Rally Days? 193
High NAV = Expensive? 194
Weekly vs. Monthly DCA 196
Which Is Better: Weekly/Monthly? 197
Can One-Time Purchase = DCA? 197
Start & End DCA 198