Is the fund's fixed investment reliable? Can you really make money? This is a question that many investors often ask. Fixed investment in the fund refers to investing a certain amount of money into the fund regularly for a period of time to spread risks, reduce costs and hold it for a long time. For some people who have long-term financial planning, the fixed investment of the fund has become a financial management method.

What are the advantages of the fixed investment of the fund?

1. Diversify risk: the fund consists of various securities, and the fixed investment of the fund can diversify the funds and reduce the impact of a single securities on the entire portfolio.

2. Free from the influence of market fluctuation: Fixed investment of funds means regular purchase of funds, which can be equally purchased under different market conditions to reduce the influence of market fluctuation on investment.

3. Reduce costs: The fixed investment of the fund can reduce costs, transaction costs and decision-making costs through long-term holding.

4. High flexibility: the fund can stop or adjust its investment plan at any time and adjust it according to individual needs, which is highly flexible.

Fund fixed investment risk

1. Market risk: The risk in the fund market is similar to that in the stock market and is affected by market conditions.

2. Risk of fund managers: The ability and judgment of fund managers have a great influence on fund returns. If the fund manager is not well managed, it may lead to a decline in fund income.

3. Benchmark risk: The performance of the fund may be quite different from the benchmark.

4. Exchange rate risk: If the fund invests in overseas markets, it may be affected by exchange rate fluctuations, resulting in a decline in returns.

How to choose the time and fund of fixed investment?

1. Choose the right time: the fixed investment time of the fund should be long-term, preferably at least three years, to reduce the impact of short-term market fluctuations on investment.

2. Choose the right fund: When choosing a fund, you should choose according to your risk tolerance and investment objectives, and choose a suitable investment portfolio.

3. Historical performance of research funds: The historical performance of research funds is an important basis for selecting funds, and you can understand the risks and benefits of funds.

4. Research on fund managers: The ability and judgment of fund managers have a great influence on fund returns. Studying the performance and management ability of fund managers is one of the important basis for choosing funds.

Generally speaking, the fixed investment of the fund is a stable investment method, which is suitable for those who make long-term financial planning. However, it should be noted that there are certain risks in fund investment, so it is very important to choose the right time and fund. Before making a fixed investment in the fund, we should fully understand the risks and benefits of the fund, make a reasonable investment plan, and realize the financial management goal.