My understanding of the fixed investment fund is that it can really be regarded as a good way to manage money. With the rapid development of the material culture of the whole society, the trend of lending is basically falling prices, and the interest on bank deposits is gradually decreasing, and liquidity traps have emerged in many countries around the world. Most financial policies adopted by countries all over the world are aimed at encouraging consumption, not saving. How to make our assets appreciate is a difficult problem for everyone, and the fixed investment fund is one of the financial management methods.

Judging from the risk degree of financial management, the safest way is to let financial institutions eat interest. When there is no liquidity trap, it is a stable profit, and the disadvantage is that the profit is relatively small. Moreover, buying funds, insurance wealth management products and investing in government bonds are mostly low-risk varieties, and the income is much stronger than that of depositing in banks. Thirdly, investing in stocks is risky and easy to lose money. If it is done well, the profit will be considerable. Finally, there are high-risk varieties such as spot trading, gold and foreign exchange trading.

These are all possible bankruptcies once you make the wrong choice. Mention the specific situation of our ordinary people's financial investment. The stock market has a mantra of "seven losses, two draws and one profit", which is a better choice for ordinary people's funds. The short-term ups and downs of the stock fund itself may make investors lose money, and the risk of stock investment is low. Investors may be eliminated, especially in a bear market. According to the quadrant diagram of S&P financial planning, ordinary people must allocate 30%-40% of investment fund stock projects.

Keep up with the pace of economic development and let the fixed investment fund meet this demand. Fixed investment fund is an investment method. Regularly and quantitatively purchase pre-set stock funds, and sell the completed income after reaching a certain standard. Just like a bank's lump-sum deposit and withdrawal, it's just more convenient to transfer out than lump-sum deposit and withdrawal. The fixed deposit and withdrawal can only be transferred out after the time agreed with the bank, while the fixed investment fund can be transferred out as long as there is income, and the natural loss can also be taken, but it is not the effect of the fixed investment fund.