Advantages of fixed investment funds 1. Convenient and quick program. The entry threshold for fixed investment is low. For example, ICBC's fixed investment business can be fixed with a minimum monthly investment of 100 yuan. If you want to apply for a fixed investment, investors only need to apply in accordance with the relevant regulations of banks and fund management companies. After the opening of "Fixed Investment", the bank will automatically deduct money from its designated account every month according to the amount of deduction applied by investors and the investment period, which is very convenient to operate. Take Minsheng Bank as an example. Investors only need to hold Minsheng Bank Card and open relevant fund accounts, so they can make fixed investment at the bank's counter. Second, preferential rates save costs. Like ordinary subscription, investors can generally enjoy certain rate concessions when doing fixed investment business in banks. In order to expand their business, some banks will launch some activities from time to time to reduce transaction costs such as subscription and give investors certain preferential treatment. In terms of subscription fees, under normal circumstances, banks charge according to the regulations of fund companies, but it is not excluded that some fund companies can give investors discounts on the rates. According to insiders of the bank, according to the agreement, the biggest discount that the bank can give investors for the fixed investment business of some funds is generally 60% off. Third, the average cost spreads risks. Investing in funds by regular quota can average costs and spread risks. Because it is a regular investment, no matter how the market fluctuates, it will buy a fixed amount of funds regularly. Therefore, when the fund price rises, the number of units bought is small, while when the fund price falls, the number of units bought is large. After long-term accumulation, the cost and risk will naturally be low. For example, if you invest in an open-end fund of 100 yuan every two months, the total amount of investment in 1 year is 600 yuan, and the subscription price of each investment is 1 yuan, 0.95 yuan, 0.90 yuan, 0.92 yuan, 1.05 yuan and 65438 yuan respectively. Then you can buy 100, 105.3, 1 1, 108.7, 95.2 and 90.9 at one time, and the cumulative number of copies is 665438+. The average cost is 600 ÷ 6 1 1.2 = 0.982 yuan and the return on investment is (1.1× 61.2-600) ÷. Four, men, women and children Xian Yi For young people who have just left society, they may not have much money after deducting living expenses. At present, the minimum threshold of regular quota is 65,438+000 yuan, which is an excellent financial choice; Families with children who want to save their children's education funds will reserve a pension for themselves, which can be fixed. Regular quotas are available in all classes regardless of gender, which is really a good helper for financial management. The principle of fixed investment of the Fund 1. Fixed investment is generally suitable for financial management goals of more than three years. Long investment time can effectively avoid short-term fluctuation risk. Second, not all types of funds are suitable for fixed investment. Relatively speaking, equity funds are most suitable for fixed investment. Equity funds fluctuate relatively, and can accumulate more low-cost shares in the stage of falling net value, and can make quick profits when the market rebounds; At the same time, the expected risk-return of equity funds is higher, and the long-term cumulative compound interest effect is more significant. Third, fixed-income instruments such as bond funds are not suitable for fixed investment unless they are only for compulsory savings. Because of the small fluctuation, bond funds generally do not encounter the problem of low redemption, and the risk is small. At the same time, the relative average cost will not drop too much, and the profit is relatively limited. Fourth, index funds are not suitable for fixed investment. Because China's securities market is in the emerging market stage, investors' step-by-step regular investments are easily swallowed up when they encounter substantial adjustments. Fifth, the fixed investment of the fund needs to be analyzed and judged. Investors should choose funds with excellent and sustainable performance, and the fixed investment effect will be higher than that of funds with average performance. People suitable for the fixed investment of the fund: 1. Office workers with fixed salary: The salary income of most office workers is often very small after deducting daily living expenses, and a small amount of fixed investment is the most appropriate. Moreover, because most office workers can't go to financial institutions to go through the subscription procedures in person during business hours, it is the most time-saving and trouble-saving way for office workers to set up automatic deduction fixed investment in designated accounts. 2. Special funds are needed at some time in the future: for example, a down payment is required to buy a house after three years, a fund for children to study abroad after 20 years, or even their own retirement pension fund after 30 years. Knowing that there will be a large amount of capital demand in the future, planning in advance by means of regular fixed small investment will not only cause economic burden to yourself, but also turn small monthly money into big money in the future. 3. People who don't like to take on too many investment risks: Because regular fixed investment has the advantage of weighted average investment cost, it can effectively reduce the overall investment cost, reduce the risk of price fluctuation, and then improve the chances of profit. The subscription threshold for general funds is 65,438+0,000 yuan. In contrast, the minimum amount required for each fixed investment is much less, generally 1000 ~ 300 yuan. It is best to ensure that there is enough money in the bank account for each fixed investment. It is recommended that your monthly salary be fixed at 40-50%.