First of all, the most essential difference between fund purchase and fixed investment lies in the investment time. Fund purchase is generally based on one-time investment, that is, one-time purchase of fund shares for long-term holding. Fixed investment is to disperse funds into multiple purchases, usually within a set time interval, to buy a certain number of fund shares on a regular basis. Therefore, from the perspective of investment time, fund purchase is more suitable for long-term investors, while fixed investment is more suitable for short-term or mid-line investors.

Secondly, there are differences between fund purchase and fixed investment according to different personal needs. Fund purchase is suitable for investors with sufficient one-time funds, while fixed investment is relatively suitable for investors with less funds, especially novice investors who want to invest in funds through short-term capital accumulation. For those who make a fixed investment, the risk and pressure they have to bear at one time are relatively small, so they can use the investment principal to gradually increase the scale of assets and seek scale effect in order to obtain more investment income.

Finally, there are differences in investment risk, income distribution and cost between fund purchase and fixed investment. For investors, the risk of buying funds is greater, the investment threshold is higher, and fund transactions also have certain costs. Fixed investment is to minimize risks and costs, and generally there will be no big losses in the short term. Although the return of fixed investment is relatively low, it can be more stable through regular and continuous investment, and the effect of long-term compound interest can also significantly improve the return on investment.

To sum up, there are obvious differences in investment strategies between fund purchase and fixed investment. Investors should choose their own investment plan according to their own actual situation to achieve long-term, stable and sustainable wealth appreciation goals.