the traditional fixed investment of funds adopts a fixed-time mode, that is, the funds agreed in the contract are invested in the designated funds at the time specified by the system every month (usually the first day of each month). This investment method is relatively inflexible, and not all investors who accept the fixed investment of the fund like to adopt this method. The traditional fixed investment of the fund began to change face, so ICBC launched the "fixed investment based on wisdom".

the so-called "fixed investment based on intelligence" business is an upgrade of the fixed investment products of ordinary funds, which mainly adds two investment methods: one is that customers can make fixed investment in the fund on a fixed date and with a fixed amount every month (hereinafter referred to as "fixed investment at fixed time"); The other is that customers can make fixed investment in the fund on a fixed date every month according to the trend of the securities market index (referred to as "fixed fixed investment"), so as to realize flexible control over the investment amount of the fund. Neither of the above two fixed investment defaults will be deducted, and the fixed investment agreement will be automatically cancelled after three consecutive defaults.

"Fixed investment with fixed time" is easier to understand, while "Fixed investment with fixed time" is relatively difficult to understand. Here's a brief introduction:

The so-called "Fixed investment with fixed time" means that the customer specifies a fixed date every month, and automatically increases or decreases the deduction amount of the fund's fixed investment on that day according to the comparison between a stock market index and its moving average on the previous trading day.

There are two ways-

First, investors and customers can choose the date of fixed investment every month. Different from the deduction of the fixed investment of the existing general fund on the first working day of each month, customers can choose one day from the 1st to 25th of each month (considering that February may have only 28 days, and the last two days may just be weekends) as the deduction date of the fixed investment of the monthly fund. Ordinary investors prefer to take the day after the salary payment date as the fixed investment date.

second, the system flexibly determines the monthly fixed investment amount. Different from the fixed monthly fixed investment amount of the existing general fund, customers can determine the benchmark amount of monthly fixed investment deduction when applying for the "fixed-time indefinite" Jizhi fixed investment subscription plan, and the actual monthly deduction amount will be finally determined according to the selected indexes and moving average types. The indexes that can be selected include Shanghai and Shenzhen 3, Shanghai Composite, Shanghai 18, Shenzhen Component, Shenzhen 1 and Juchao 3, and the moving average is 18 days. When the stock market index is lower than the moving average of the index, increase the monthly deduction amount to obtain more fund shares; When the stock market index is higher than the index moving average, the monthly deduction amount will be reduced.

what are the advantages of "fixed investment based on intelligence"?

first of all, investors can choose the date of fixed investment every month: unlike the deduction of fixed investment on the first working day of each month for existing general funds, investors can choose to deduct the fixed investment on a fixed date every month;

Secondly, the system flexibly determines the monthly fixed investment amount: unlike the existing fixed investment amount of ordinary funds, investors can automatically change the monthly fixed investment amount according to the trend of the securities market index;

finally, share the cost-when the stock market index is lower than the average of the index, increase the monthly deduction amount; When the stock market index is higher than the index moving average, the monthly deduction amount will be reduced. That is, when the net value of the fund is low, increase the investment amount and get more shares; When the net value of the fund is high, reduce the investment amount, thus reducing the subscription cost.

for the fixed investment fund products simulated by the Shanghai Composite Index, it is assumed that December 31, 1997 is the base period, and the net value of the fund on that day is 1. yuan. The first working day of each month is the deduction date of the fixed investment of the fund, and the benchmark amount of the fixed investment is 1 yuan. Then, comparing the investment situation of "fixed investment" with that of ordinary funds (excluding the handling fee), we can find that the average cost of subscription for "fixed investment" is 1.28 yuan, which is lower than the average subscription cost of 1.32 yuan for ordinary fixed investment; The cumulative rate of return of "fixed time is not fixed" is always higher than that of ordinary fixed investment. It highlights the advantages of "fixed time quota" to spread the purchase cost and improve the rate of return.

There are four basic groups suitable for such investments:

First, investors who firmly believe that China's economy will continue to grow in the future and want to share the economic growth.

second, investors who want to gain "great wealth" in the future through "small accumulation" every month and realize their children's education reserve, house purchase and pension reserve plan.

Third, investors who seek to overcome the short-term volatility of the stock market and reduce the risk of investment funds.

Fourth, investors who pursue cost-benefit analysis and seek more effective fund investment methods.

fifthly, customers who are looking for investment prescriptions to resist inflation and grow their wealth steadily.

how can the original fund fixed investment plan be upgraded to Jizhi fixed investment plan?

for the customers who hold the subscription plan of the original fund, they can upgrade to the subscription plan of fixed investment or irregular investment by modifying the investment method and the monthly subscription date. Due to the ICBC system, at present, customers can only handle the above-mentioned upgrade business at the counter, and electronic channels such as online banking are temporarily closed.

Set the date of monthly fixed investment:

After the upgrade, customers can choose one day from the 1st to 25th as the deduction date of monthly fixed investment. When applying for the fund's fixed investment subscription plan, if the monthly fixed investment deduction date (T day) set by the customer is greater than the application date of the fixed investment subscription plan, then the first fixed investment deduction date is T day of the month; If the set monthly fixed investment deduction date (T day) is less than the application date of the fixed investment subscription plan, then the first fixed investment deduction date will be T day next month. The monthly subscription for fixed investment of the fund is confirmed according to the net value of the fund on the actual fixed investment deduction date.

There are two ways for investors to withdraw from the subscription business of Jizhi Fixed Investment:

One way is for investors to voluntarily apply to the fund management company for withdrawing from the subscription business of Jizhi Fixed Investment through the agency bank; After the confirmation of the fund management company, the investor Jizhi's subscription business plan stopped, and the ICBC open-end fund sales system stopped deducting money. Second, after the investor applies for the subscription business of Jizhi Fixed Investment, the funds in the deduction account designated by the investor are insufficient, and the investor fails to make up the subscription funds in time as agreed, so that the subscription business plan of Jizhi Fixed Investment cannot be continued. The system will record the number of times the investor defaults. If the number of defaults reaches three times, the system will automatically terminate the subscription business plan of Jizhi Fixed Investment.