1. Before making a fixed investment, investors should choose the fund type according to their investment objectives, risk tolerance and liquidity. Generally speaking, investors with low risk preference can give priority to money funds and pure debt funds, while investors who can bear higher risks can consider funds with greater income potential such as stock funds and hybrid funds. In addition, investors should also pay attention to the historical performance of the fund and the strength background of the fund company.
2. As a long-term investment strategy, fixed investment requires investors to be more patient. Investors should set a reasonable fixed investment cycle, stick to the plan, and don't be affected by short-term market fluctuations and make frequent adjustments. Long-term investment can reduce the impact of short-term market fluctuations. In addition, investors are advised to choose the dividend reinvestment method when paying dividends, which can increase their fund share and better realize the compound interest effect of the fund's fixed investment.
3. There are transaction costs for the fund's fixed investment, including fund subscription redemption fee, management fee and sales service fee. Generally speaking, there are two kinds of expenses for fixed investment: front-end expenses and back-end expenses. There is little short-term difference between front-end expenses and back-end expenses, but there is a big difference in long-term investment. If investors intend to make a long-term fixed investment, they can give priority to the back-end charging method. The advantage of this method is that the longer the fund is held, the lower the handling fee will be.
4. Diversified investment. Investors also need to consider diversifying their funds when making fixed investment in funds, and avoid putting all their funds into one or several related funds. Investors can choose different types, different markets, different industries or different investment styles to make fixed investment, so as to reduce the impact of single fund risk on the overall portfolio and improve their ability to resist market fluctuations.