Generally, the fund will sign a fixed investment agreement with the bank this month, and the deduction will be made every month 12, which will take effect next month 12, and will be calculated according to the net value of 12 (the weekend will be postponed to the next working day). It can be understood that the eight misunderstandings of the fund's fixed investment: the fund's fixed investment is increasingly favored by investors. This investment method can not only average the cost and spread the risk, but also be similar to "zero deposit and lump sum withdrawal" savings. As long as you go to the bank or the securities business department to sign an agreement, you can realize automatic investment and enjoy the benefits, so the fixed investment of the fund is also called "lazy investment". However, fixed investment is a new business after all, and many investors have many misunderstandings. One of the misunderstandings: any fund is suitable for fixed investment. Although it is possible to average costs and control risks, not all funds are suitable. The income of bond funds is generally stable, and the gap between fixed investment and one-time investment is not too big, while equity funds fluctuate greatly, which is more suitable for balancing costs and risks with fixed investment. Myth 2: Fixed investment can only be used for long-term investment in fixed investment funds. Although it is easy to control risks, in the case that the market outlook is not optimistic, we should be cautious whether it is a one-time fixed investment or a fixed investment, and the planned fixed investment of the fund should also consider avoiding risks. For example, if you feel that the market prospect is getting worse and worse after two years' deduction, you can consider taking profits first instead of waiting for the plan to expire. Myth 3: The date of deduction can be any day. Although a fixed monthly deduction date is adopted, because some months only have 28 days, in order to ensure the deduction at a fixed time throughout the year, the deduction date can only be 1-28 days per month; In addition, in case of holidays, the deduction date will be automatically postponed, for example, the agreed deduction date is July 8, but if the 8 th of next month falls on Sunday, the deduction date will be automatically postponed to the 9 th. Myth 4: You can only vote on a monthly basis. Under normal circumstances, it can only be fixed monthly, but some fund companies stipulate that it can be fixed monthly, bimonthly or quarterly. At present, most unit wages are generally divided into monthly fixed wages and quarterly bonuses. If the monthly salary is only enough for daily use, the quarterly bonus can be invested and is suitable for quarterly investment. If the monthly salary is generous, or young people want to force themselves to save money, they can invest monthly. Myth 5: Fixed investment agreement will be invalid if it is missing or misplaced. Investors sometimes fail to deduct the fixed investment because of factors such as forgetting to deposit in advance, delaying the payment of wages, and reducing the amount. At this time, some investors think that this is their own breach of contract, and the fixed investment will be invalid. In fact, some fund companies and banks stipulate that if the balance of the investor's fund account is insufficient during the legal trading hours of the day, the banking system will automatically continue to deduct money the next day until the end of the month, and calculate the confirmed share according to the net value of the fund share on the day of actual deduction. Therefore, it doesn't matter if the deduction is unsuccessful in the current month. As long as the money is deposited in the account as soon as possible (within three months), you can continue to participate in the fixed investment. Myth 6: You can directly change the fixed investment amount according to the regulations. After signing the fixed investment agreement, the fixed investment amount cannot be changed directly within the agreed investment period. If you want to change it, you can only go to the agency outlet to cancel the fixed investment, and then re-sign the Application Form for Fixed Investment before you can change it. Myth 7: Fund redemption can only be redeemed once. Many investors believe that they can only redeem all the fixed investment funds they hold when redeeming. In fact, the fixed investment fund can be redeemed at one time, and you can also choose partial redemption or partial conversion. If the capital demand amount is less than the fixed investment amount, how much can be redeemed and other shares can continue to be held. Myth 8: Fixed investment agreement will automatically terminate after redemption. Some people think that the fixed investment will automatically terminate after the fund is redeemed. In fact, even if the fund is fully redeemed, the previously signed investment contract is still valid. As long as you have enough money in your bank card and meet other deduction conditions, the bank will deduct money regularly from it. Therefore, if the customer wants to cancel the fixed investment plan, in addition to redeeming the fund, he should also fill in the application form for terminating the fixed-term subscription at the sales outlets and go through the formalities for terminating the fixed investment; You can also fail to meet the deduction requirements for three consecutive months, thus automatically terminating the fixed investment business.