Fixed investment is more appropriate. It's really not easy for people to come up with a lot of money at once. It has been reported before that everyone's per capita deposit is now less than 50,000 yuan. The same is to buy a fund of50,000 yuan, and not many people have the money to buy it at once.

But more people can save 4,000 yuan from their salary every month for the fixed investment of the fund, which is in line with the rhythm of the source of funds for ordinary investors.

Both are also suitable for different investment groups, and a single investment is suitable for those investors who have more idle funds or can choose their own time to enter the market; The fixed investment of the fund is more suitable for ordinary wage earners and most investors, which is equivalent to the monthly balance of compulsory savings for investment, and investors do not need to consider the timing of entering the market.

As we all know, since the birth of A shares, the bulls are short, the bears are long, and the fluctuations are large. Take this year as an example, the stock market soared in the first quarter, and investors were excited. Indeed, Ji Min, the master of "One Shuttle" at the beginning of the year, still made a lot of money. I bought it at one time in the second quarter and stood at the top of the mountain easily.

The fixed investment of the fund has played down the role of timing and lowered the requirements for the basic people's investment ability.

The vast majority of the basic people's psychology is fragile, and there is no saying that "others are greedy for me and others are afraid of me". Often ordinary people are low-throwing and high-sucking, otherwise how can they become "leeks"? The fixed investment of the fund is mandatory for the investment behavior of the basic people and is less affected by emotions. There is no difference between fixed investment and one-time purchase of funds.

But for most ordinary investors, it is difficult to find a suitable point to complete a one-time purchase.

For a one-time single investment, it is more like an investment. As long as you choose some active stocks or hybrid funds with previous 1/3 returns, it should be no problem to outperform the index;

Fixed investment is more like a means of financial management, forcing savings to resist systemic risks. Of course, the income will not be too high or too bad.

From the above analysis, I think that if you choose a fixed investment, you should try to choose an index fund to vote. Whether in a unilateral city or a volatile city, the fixed investment of index funds is in the forefront of the fixed investment income of other active funds.