Fixed investment by the fund is a good investment method, so its first advantage is compulsory savings. We can save a sum of money from it, and maybe there will be extra interest income to make your money "live".

The second advantage is that it avoids the trouble of timing. Through fixed time and quota, we can avoid subjective judgment and iron out investment costs through disciplined actions.

The third advantage is simple operation. As long as the frequency, amount, time and sufficient funds are set in the account, it will automatically deduct the money. Therefore, the fixed investment of the fund is also known as the "lazy financial management law".

Of course, this method also has some shortcomings.

The first disadvantage is that in the middle and late period of fixed investment, a large share has been accumulated, so the amount of fixed investment in each period will have less and less effect on the whole.

The second disadvantage is that the purchasing power of the same currency will decline due to inflation and other reasons. For example, the fixed investment of 10 and 1 000 yuan in October is already relatively high for many people, but now it seems that there are not so many fixed investments of 1 000 yuan per month.