Fund fixed investment: refers to the business that investors buy a certain fund product by way of bank agency for a fixed time and amount within a certain investment period. Simply put, it is a kind of fund management business similar to the bank's zero deposit and lump sum withdrawal. After you open the fund for fixed investment, the banking system will automatically deduct money every month according to the amount of deduction you apply for and the investment period. Starting from the second month after you start the fixed investment business of the fund, the banking system will automatically start to deduct money on the first day of each month according to the amount and years you apply for, and will continue to deduct money on the second day if the account balance is insufficient. The minimum deduction for monthly investment is only 200 yuan. Transaction time, transaction cost, subscription price and fund redemption are generally the same as normal subscription.

Funds also make profits by investing in stocks. Securities investment funds are divided into closed-end funds and open-end funds.

Among them, open-end funds can be subdivided into stock funds, bond funds, money market funds and hybrid funds according to different investment objects.

If more than 60% of the fund's assets are invested in stocks, it is a stock fund;

If more than 80% of the fund assets are invested in bonds, it is a bond fund;

Money market funds that only invest in money market instruments;

If it invests in stocks, bonds and money market instruments, and the ratio of stock investment to bond investment does not meet the requirements of bonds and stock funds, it is a mixed fund.

From the perspective of investment risks, the risks brought by several funds to investors are different. Among them, equity funds have the highest risk, money market funds have the lowest risk and bond funds have the middle risk. Due to different investment styles and strategies, the risks of the same type of investment funds will be different.

For example, stock funds can be divided into: balanced, stable, exponential, growth and growth according to the degree of risk. Of course, the greater the risk, the higher the rate of return; The risk is small, and the income is correspondingly lower.