As a regular office worker, I guess most of guys as well as me can’t get any extra money except the salary, And the salary only just can support our common life. But the world around us is changed very often and fast, but the salary hasn’t been changed with it. One day, if we meet the problem which needs a lot moneny to handle, such as sickness and accident, then we will find our salary is too much shortage.From the 2008, I began to lean some financial knowledge, and began to invest on china stock market with the free money, now my investment rose much more than deposit on bank. And I sure I can earn money on stock market if I insist on my own way. But during these past times, I found the china stock filled hight risk. So I deciside to get a little money invested on automatic investment plan of mutual fundas long-term investment.