According to reports, the "fixed investment fund" business is a fund financing business that has been widely carried out in mature international markets. It has the characteristics of reducing investment risk, convenient procedures, legal tax avoidance and diluting investment cost. For regular investors, they can manage their assets more effectively and achieve the effect of lump-sum withdrawal. Long-term persistence can achieve a magical compound interest effect and turn "small money into big money".
There are also examples in the domestic market. For example, taking a fund currently launched by ICBC as an example, suppose that the monthly investment is 6,543.8+0,000 yuan. From March 2005 to February 2006, the principal is 6,543.8+0.3 million yuan in the form of "fixed investment fund". After one year, the total assets of the fund are 654.38+050 184.65438+. If it is changed to one-time investment, the one-time investment in early 2005 will be 6.5438+0.3 million yuan. At the same time, the fund's rate of return will be 654.38+0.7 1%.
Regular quota is a convenient business for investors, and there is generally no preferential rate. However, in order to promote this business, most fund companies will discount the subscription rate through joint sales channels. For example, in the fixed investment plan previously launched by Guolianan Fund Company, the subscription rate for purchasing funds was reduced from 1.5% to1%; Investors who open the fixed investment business of the Fund before the agreed time limit can enjoy more favorable subscription fees as long as the number of effective subscription deduction periods reaches the following standards: according to the pre-agreed deduction amount, the deduction period is 12, and from the deduction period of 13, the subscription fee for fixed investment of the Fund will be10% for life; According to the pre-agreed deduction amount, after 24 deductions, the subscription fee for the fixed investment of the fund will be 20% for life from the 25th deduction.
In addition to preferential rates, lowering the investment threshold is also a measure for fund companies to expand their customer base. Previously, although the regular quota plan launched by some funds lowered the requirements relative to the minimum amount of funds for ordinary subscription, it remained at least within 500 yuan. But now the fixed investment plan launched by fund companies is characterized by a greatly reduced investment threshold, generally at least once in 200 yuan. A small amount of investment at a time can give investors enough time to understand fund management and fund companies. In addition, long-term continuous investment can also help investors develop good financial habits.
It is worth mentioning that the fixed investment plan is not only beneficial to investors, but also for fund companies, with the growth of fixed investment business, the fund has a stable scale growth channel, which makes the fund operation not bear the impact of short-term redemption too much, and at the same time makes the fund company have a more stable source of income, which can be described as multiple goals.