Regular fixed investment of funds means that after signing a fixed investment agreement with the sales organization at one time, the sales organization automatically buys the specified fund varieties at the specified amount on the date specified by the investor every month. The biggest advantage of regular fund investment is to smooth the risk of market fluctuation through long-term investment, but for investors, fixed investment funds do not mean that they do not need management. On the contrary, the longer the investment time, the more attention needs to be paid to the market, and the fixed investment of the fund also needs to choose the timing.

Different from other investment methods, the timing of the fund's fixed investment is not the specific time to buy and sell, but the time period to hold the fixed investment. According to the practice of foreign mature capital markets, a market cycle is about 3-5 years. At least after a complete market cycle, the advantages of fixed investment can be fully exerted. Therefore, general experts suggest that the fixed investment time should be more than 5 years.

At the same time, the time for investors to start and end the fixed investment of the fund is also conditional. If the fixed investment plan can start when the market is at a long-term low point and end when the market is at a long-term relative high point, then the profit effect is ideal. If the market is at a long-term low level, the whole fund's fixed investment plan is in a state of loss, and investors should try not to terminate the fixed investment plan. If you insist on a fixed investment in the falling market, the same funds can get more fund shares, and when the bull market comes, you can get more income. Generally speaking, the more cycles that span the bull-bear cycle, the greater the possibility of making a profit from the fixed investment plan.

The termination of the fixed investment in the bear market is likely to cause losses in the entire fixed investment plan; Especially in the big bear market in 2008, the accumulated loss of fixed investment assets eroded the accumulated income of the bull market in previous years. The same fixed investment plan, as long as the extension period covers the bear-cow conversion again, the whole fixed investment plan can quickly turn losses into profits.

It can be seen that the overall profit and loss of the fixed investment plan is very sensitive to the fixed investment period, the starting and ending time of the fixed investment, and the bull-bear cycle of the stock market during the fixed investment period. Contrary to the general experience of investors, it is wiser to start a fixed investment in a bear market than in a bull market. The fixed investment under the bull market, in terms of duration, takes longer to turn losses into profits.