Fixed investment of funds is a medium-and long-term investment tool, and it is also an asset management method of exchanging time for expected income. Similar to the installment arrangement of bank time deposits, the timing and amount of fixed investment are not important, and the monthly investment of 100 yuan is of course meaningful.

The monthly fixed investment is 100 yuan, the annual investment cost is 1200 yuan, and the five-year principal is 6,000 yuan. Assuming that the annualized expected rate of return of fixed investment is 8%, the expected principal and expected income after five years are about 7,000 yuan, and the expected fixed investment is 1.8 million yuan.

Among all kinds of fund products, the expected returns of money funds and bond funds are relatively stable, so it is of little significance to make a fixed investment. Hybrid funds, stock funds and index funds are more suitable for fixed investment, and the expected average expected return of these funds is also more likely to reach 8%.

Fixed investment can not only balance risks and costs, but also compound interest is one of its advantages. The fixed investment of 100 yuan per month seems to be very small, but it can also accumulate funds after a certain number of years.