Not necessarily, the fund is a floating income product, and the fluctuation is uncertain. If the fund subsequently rises to the investor's net cost, then the investor will return the capital. If the fund does not subsequently rise to the investor's net cost, then the investor cannot return the capital. However, as long as the funds purchased by investors are of high quality, there is a greater probability of returning to the capital after losses. For loss-making funds, investors can cover their positions to reduce costs. The lower the cost, the less risk they take, and the greater the probability of returning funds or generating profits in the future. Covering positions is usually not completed at one time, and investors can cover positions in batches.

Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.

Automatic investment plan (AIP) is called lazy financial management, and its value stems from a saying circulating on Wall Street: "It is more difficult to step on the market accurately than to catch a flying knife in the air." If you adopt the method of buying in batches, you will overcome the defects of buying and selling at one time, balance the cost and make yourself invincible in investment, that is, the fixed investment method.

Generally speaking, there are two ways of fund investment, single investment and regular quota. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

"Compared with fixed investment, the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.