This is actually a fund investment method, that is, the foundation will make a fixed investment and make a regular investment. In order to attract investors when doing marketing, fund companies will tailor some fixed investment projects for investors, so they are called marriage funds, education funds and pension funds. Take the education fund as an example. Investors who have stable income and children after 10- 15 and intend to raise an education fee for their children mostly set their current investment quota according to the expected cost and the assumed return on investment.

Fixed investment mainly emphasizes the importance of compound interest investment. Suppose you start investing at the age of 20, and the average annual return on investment is 12%, then you can double your investment principal at the age of 26, and at the age of 24%, you can double your principal at the age of 23, but when the market is bad, the return on investment is 3% (close to the bank deposit interest rate), so it will take you 44 years to double your principal. The advantage of the fixed investment of the fund is to stabilize the risk and avoid the trouble of timing. At the same time, it can be regarded as compulsory savings, which can develop better investment habits. Disadvantages: Like all investment projects, the rate of return is difficult to reach the amount on the leaflet. Fund marketers always paint the best blueprint for you, but in real life, many funds are losing money, and none of the equity funds have achieved positive returns this year.

Fund fixed investment is more suitable for investors who have no time or ability to manage money and want to realize asset appreciation through the operation of fund companies. If they have a stable life and a lot of money, they can consider their risk tolerance. At present, the stock market fluctuates at a low point, and the consolidation price-earnings ratio is low, which is a good time to enter the market.