When the market fluctuates, it is very difficult to choose the right time. When choosing the investment target, it may be difficult to decide the investment method, such as whether the debt base is suitable for fixed investment or one-time purchase. Judge like this.

Is the debt base suitable for fixed investment or one-time purchase?

First of all, it can be judged according to the risk: the net value of pure debt fund fluctuates relatively little, while the net value of secondary debt base and convertible bond base fluctuates greatly. Generally speaking, fixed investment is to spread risks and reduce the average cost. If you are an investor who wants to get absolute returns and has weak risk tolerance, then you'd better choose qualitative investment.

Secondly, it can be judged according to the market situation: when the market is in a unilateral rising market, it is suitable for one-time purchase, and the fixed cost can get higher income, and the fixed investment cost will continue to move up and get higher. The market is in a falling market, and the fixed investment method is more suitable. You can reduce costs and spread risks by covering positions, and one-time buying will be at the highest point, with high cost and big losses. It is also more suitable for fixed investment in volatile market, because it can continue to buy at a low point and reduce costs, while one-time buying fluctuates with the market and may not be profitable in the end.

Of course, whether the debt base is suitable for fixed investment or one-time purchase is closely related to the cash flow of investors. For example, if you invest with wages, you can only passively take a fixed investment. If you are uncertain about the market situation and want to invest in bond funds with relatively large fluctuations, you can also adopt a fixed investment method.