You can start. Since it is a fixed investment, even if it falls sharply in the later period, it can earn a share. If it continues to rise, you may regret why you didn't vote earlier. If you are sure, start early and don't care too much about the cost.

Harvest CSI 300 is a good choice. This is what I am doing now. Covering a wide range, you can enjoy the benefits of China's overall economic development. In addition, passive index reduces the risk of fund managers to some extent.