The fixed investment method of "fixed time and fixed quota" allows investors to buy more when the market goes down and buy less when it goes up, which can not only effectively dilute the investment cost and reduce the investment risk, but also help investors overcome the irrational investment behavior of "buying up and not buying down" as much as possible, develop the good habit of long-term investment, and realize the accumulation of wealth with small investment.

When handling the fixed investment of "fixed-term indefinite fund", investors should first set the fixed investment date of each month, which can be any day from/kloc-0 to 25th every month, and the monthly fixed investment subscription of the fund will be confirmed according to the net value of the fund on the actual fixed investment deduction date. Secondly, investors set the benchmark amount of monthly fixed investment, the minimum 200 yuan, but the monthly deduction amount will fluctuate according to the stock market. The specific changes depend on the index and moving average type selected by investors.

At present, the index types that ICBC can choose as "fixed term quota" are Shanghai and Shenzhen 300 Index, Shanghai Composite Index, Shanghai 180 Index, Shenzhen Stock Exchange Index, Shenzhen Stock Exchange 100 Index and Juchao 300 Index. Select moving average: short-term (1 year) select 180-day moving average; In the medium term (3 years), choose the 250-day moving average; Choose the 500-day moving average for a long time (more than 5 years). Grading difference: "More investment in low position and less investment in high position" is the principle of Zhiji's fixed investment. The classification of high and low levels is stipulated. Here is the investment increase or decrease ratio, which is divided into three levels: 10%, 20% and 30%. Choose one.