Consider the fixed investment of the fund from the following aspects:

First, we can examine the cumulative net growth rate of the fund. Fund cumulative net growth rate = (cumulative net share-unit face value) ÷ unit face value. For example, if the current cumulative net value of a fund is 1. 18 yuan and the unit face value is 1.00 yuan, the cumulative net value growth rate of the fund is 18%.

Secondly, we can examine the dividend ratio of the fund. Fund dividend ratio = accumulated fund dividend amount ÷ fund face value. Take Rongtong Shenzhen Stock Exchange 100 Index Fund of Rongtong Fund Management Co., Ltd. as an example. Since its establishment in September, 2003, it has paid dividends for seven times, with the dividend ratio of 16%. Because one of the prerequisites for fund dividends is that it must have a certain profit, and it can realize dividends or even continue to pay dividends, which can reflect the ideal operation of the fund to a certain extent.

Third, the fund income can be compared with the market trend. If the performance of a fund is better than the market index in the same period most of the time, then it can be said that the management of this fund is relatively effective. If you choose this fund for regular fixed investment, the risk and return will reach an ideal matching state.

Fourth, the fund income can be compared with other funds of the same type. Generally speaking, different risks and different types of funds should be treated differently, and it is of little significance to directly compare the performance of different types of funds.

Finally, investors can also use the judgment of some professional companies to have a better measure of the management ability of fund managers.

What is the fixed investment of the fund:

Fixed fund investment is the abbreviation of fixed investment on a regular basis, which refers to investing in a designated open-end fund with a fixed amount (such as 1.00000 yuan) at a fixed time (such as the 8th of each month), similar to the bank's zero deposit and withdrawal method. The fund's fixed investment is known as lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step into the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost, and make yourself invincible in investment, which is the fixed investment method [3].

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.