Fixed investment of funds is a simple and easy way to guide investors to make long-term investment and average investment cost. However, the fixed investment of the fund can't avoid the inherent risks of fund investment, can't guarantee investors to get income, and is not an equivalent financial management method to replace savings. Because the fixed investment of the fund itself is a kind of fund investment method, it is impossible to avoid various risks that may be faced in the process of investment operation;

first, the fixed investment of the fund must also face market risks. The risk of fixed investment in stock funds mainly comes from the rise and fall of the stock market, while the risk of fixed investment in bond funds mainly comes from the fluctuation of the bond market. If there is a sharp decline in the stock market like that in 28, even if the fund is fixed, it is inevitable that the market value of the account will fall sharply temporarily.

second, the liquidity risk of investors. Historical data at home and abroad show that the longer the investment cycle, the smaller the possibility of loss. If the investment is fixed for more than 1 years, the probability of loss is close to zero. However, if investors lack planning for their future finances, especially underestimating their future cash demand, once the cash flow is tight during the stock market downturn, they may be forced to interrupt the investment of the fund and suffer losses.

third, the risk of investors' own operational mistakes. The fixed investment of the fund is aimed at a long-term financial planning, and it is a disciplined investment, not a tool for short-term profit. In practice, many investors who decide to invest in funds do not invest according to the set discipline, but also chase up and down when they decide to invest in funds, especially when the stock market falls, they stop deducting investment, which violates the basic principle of fixed investment in funds and leads to the failure to play the role of fixed investment in funds. For example, in 28, due to the large losses in the stock market, many fund investors suspended the deduction of fixed investment, which led to the loss of the opportunity to overweight at a low level, and the effect of fixed investment naturally could not be revealed.

fourth, equate the fixed investment of the fund with the risk of bank savings. Fixed fund investment is different from fixed deposit and withdrawal, which can not avoid the inherent risks of fund investment, guarantee the absolute safety of investors in obtaining principal and income, and is not an equivalent financial management method to replace savings. If the investor is a short-term financial management target, it is not appropriate to choose a fixed investment from the fund, but to choose a safer way of principal such as bank savings. It can be seen that compared with one-time investment, the fixed investment of the fund does not need to choose the buying opportunity, which reduces the difficulty of investing in the fund and is beneficial to ordinary small and medium investors. However, in the specific fund investment operation process, investors need to fully understand and grasp the risks of fixed investment, so as to avoid the risks in fund investment and avoid unnecessary losses;

so, how can we avoid risks and reduce losses?

first, the fixed investment should have a good investment mentality. Fixed investment is a compulsory investment activity. If investors choose fixed investment, they should develop good investment habits, correct their investment behavior, maintain a certain degree of patience and perseverance, and achieve sustainable investment. Do not rise and fall with the change of fund net value, and have long-term plans and preparations to deal with the fluctuation of fund net value.

second, the fixed investment should have goals and plans. Before investors start to make a fixed investment in fund products, they should also make goals and plans, and make corresponding preparations. In particular, they should prepare enough idle funds, conduct risk tolerance assessment and test, and set reasonable income expectations, which are all preparatory activities that need to be done before making a fixed investment.

third, fixed investment should not be short-sighted, but should have a long-term investment vision. In particular, when using policy changes to make fixed investment, we should pay attention to the long-term impact of policies on the performance of fixed investment products, not limited to the temporary net fund performance, and avoid falling into the strange circle of blindly following the trend of investment. What's more, we should not take the approach of catering to the market to disrupt and change the normal investment objectives and plans of investors. Fourth, the fixed investment should be persistent, not fishing for three days and drying the net for two days. It is the accumulated investment that must be relied on to produce good investment results. The temporary fixed investment results can not ultimately determine the success or failure of the fixed investment. Therefore, it is very important for investors to overcome the investment mentality of quick success and instant benefit and get rid of the troubles caused by the poor performance of temporary fixed investment.

fifth, follow the cyclical law of fixed investment fund products and avoid frequent conversion or adjustment of fund products. There are four seasons of spring, summer, autumn and winter in a year. The performance of fund products will also be affected by various factors and show a certain periodicity, especially the stock fund is affected by the stock market operation cycle and the bond fund is affected by the interest rate change cycle. However, investors should pay attention to the big cycle and ignore the small trend when adjusting and converting fund products. We can't blindly and arbitrarily adjust the positions of a type of fund products to adapt to short-term market fluctuations, which will make investors' operations lose more than they gain because of transaction costs and opportunity costs. Generally speaking, the fixed investment of the fund is an investment method, and there are risks in investment. We should recognize the risks and learn how to avoid them. Only in this way can we have considerable gains.

Recommend some funds suitable for fixed investment, hoping to help you:

1. Huaxia Bonus, a famous fund company, has a stable performance, ranking second in revenue in the last three years, with a yield of 217%, which is worthy of long-term investment;

2. Xinhua preferred to grow, a rookie in the fund industry, with a yield of 116% this year, ranking first among open-end funds this year;

3. Fuguo Tianrui, with stable performance, ranks high within two years, can charge back-end, is suitable for fixed investment, and the minimum fixed investment is 1 yuan;

4. Harvest 3, an established fund that tracks the Shanghai and Shenzhen 3 Index, has a small error in tracking the index and excellent long-term performance;

5. Financing Shenzhen Stock Exchange 1 and tracking the Shenzhen Stock Exchange 1 index, the income this year is 17%, and it can be charged at the back end, which is suitable for fixed investment, and the minimum fixed investment is 1 yuan;

6. Yin Hua has the best value, ranking first in the last three years, outstanding long-term performance and promising future;

7. Huaxia Small and Medium-sized Board, which tracks the index of small and medium-sized board, has achieved good results in the last three years (you can't make a fixed investment, but you can use the shareholder account to purchase and allocate positions)

8. Chinese businessmen have grown in prosperity, ranking high this year and promising in the market outlook;

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