2. Each fund company's fixed investment threshold is different, and most of them are at the lowest limit in 200 yuan, with a term of three years and five years.
3. What are the advantages of fixed investment? It is a lazy way of managing money. It can reduce the risk of stock market fluctuation and obtain the average income of the fund.
"Fixed investment" inherits the general advantages of fund investment: for example, income is higher than savings; Strong liquidity and can be redeemed at any time; Income is not taxed, etc. In addition, compared with the traditional fund purchase method, it also has the following advantages:
1. The initial investment is reduced. From the original 1000 yuan, the minimum monthly subscription amount is only 200 yuan;
2. Dilute the investment cost. Due to diversified investment every month, the purchase price is low or high (the corresponding purchase share is more or less), and the risk is relatively low, which overcomes the systemic risk brought by stock market fluctuation;
3. Easy to understand and simple to participate. "Fund Fixed Investment Business" packages the whole process of fund investment, so investors can make fund investment that they may not be familiar with as long as they fill in the form like paying telephone bills and electricity bills, which simplifies fund investment to the maximum extent. The popularization and simplification of fund investment make it possible for depositors with deposits to participate;
4. The flexibility of deduction time is enhanced. Instead of a fixed date every month, we choose the investment time by controlling the balance in the fund account. When the amount in the account reaches a fixed investment quota, the money will be automatically drawn away;
5. The variety of fixed investment of the fund has increased. In the past, "regular" investments were mostly made by fund companies independently, generally only for a certain product under the fund company, and the product was single, so investors had no choice. ICBC launched six varieties of six fund companies in the first batch, which are either stock funds or hybrid funds in nature (this is because bond funds and principal guaranteed fund have little fluctuation and have little significance for risk sharing, so they are not involved).
I wish you success in financial management!