Reason 1. From the perspective of lending itself, bond funds mainly lend to the fixed-income market. The purpose of lending is to earn relatively stable income. Therefore, the net value of such funds often rises steadily and slightly, and the effect of lending bond funds every month is from a certain extent.

It can be regarded as a time deposit, and the return will be greater if you buy it early, so the return on the fixed investment is lower than the one-time investment.

Reason 2: From the perspective of lending characteristics, the principle that fund fixed investment can reduce lending risks lies in the lending method of reducing funds on highs and increasing funds on lows.

Fixed investment is more suitable for funds with large net value fluctuations, such as stock funds or index funds.

The performance of this type of fund is greatly affected by the stock market, and the advantages of fixed investment in reducing risks and making long-term profits can be better reflected.

Therefore, the lending of bond funds is not suitable for fixed investment.