The reason why funds can make money without rising is because fund investment is a way of diversification, which reduces the risk of single investment by buying many different assets such as stocks and bonds. Even if the price of some stocks or bonds falls, the rise of other assets may offset the losses, thus achieving overall profit.

Fixed investment of funds is a long-term investment strategy. By purchasing fund shares regularly, you can get a good return on investment regardless of market ups and downs. The core idea of fund fixed investment is "buy low and sell high". When the market price falls, the purchase share increases, and when the market price rises, the purchase share decreases, thus achieving the effect of average cost.

Specifically, there are several ways for the fund to make money without rising:

1. Insist on long-term investment: Fixed fund investment is a long-term investment strategy, which requires continuous investment and patient waiting time accumulation. In the long run, the market is on the rise. Through continuous investment, you can get better returns when the market goes up.

2. Choose a high-quality fund: Choosing a high-quality fund with good performance and strong management team is the key to the fund's fixed investment. By studying the historical performance of the fund, the ability of the management team and the investment strategy of the fund, we can choose the potential fund to make a fixed investment and improve the probability of return on investment.

3. Reasonable diversification: By investing in funds of different types, industries and regions, assets can be diversified and investment risks can be reduced. When some funds perform poorly, others may perform better, thus balancing the overall return on investment.

4. Regularly adjust the investment strategy: regularly evaluate the performance of the portfolio and adjust the investment strategy in time according to market conditions and personal needs. According to the fluctuation of the market, the amount of fixed investment can be appropriately increased or decreased to obtain a better return on investment.

In short, the key to making money by fixed investment is long-term investment, selecting high-quality funds, rationally diversifying investment and adjusting investment strategies regularly. Adhere to the investment plan and actively manage the investment portfolio, and you can get a good return on investment in the long run.