1. Advantages
First, the procedure is simple. Subscription by deduction for each period is automatic, generally in monthly units, but there are also some other periods such as semi-monthly and quarterly as regular units.
The second is to save time and effort. After handling the fixed investment of the fund, each fixed-day fund subscription will automatically withhold the corresponding funds, and investors only need to ensure that there are enough funds in the bank card.
Third, there is no need to consider time. In order to avoid the subjective misjudgment of buying high and selling low, investors can invest in the market through the fixed investment plan, regardless of the time to enter the market. Average investment, capital investment in stages, high or low investment costs, maximize the diversification of investment risks.
Fourth, the starting point of investment is low. You can invest as little as one yuan.
2. The right person
The first is a novice in investment and financial management. There are many kinds of investment and wealth management products in the market. Regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market fluctuations. Therefore, for Xiaobai, who is just getting started, he only needs to invest a fixed amount of money at a fixed time, without complicated operations or always paying attention to the stock market. If you can stick to it, you may get a good return.
The second is office workers with fixed wages. The monthly balance of most office workers is relatively limited, and they have not gained much income by putting them in the bank. At this time, it is more appropriate to invest in small funds. In addition, most office workers can't spare too much energy and time in financial management, so through the tool of fixed investment of funds, asset appreciation may be realized steadily.
Third, people who have plans for future consumer demand. The so-called planning for future consumption means that you predict that there will be a large amount of capital demand in the next few years or even longer, such as buying a house and a car. Raising money in advance through regular small investments will not only cause daily economic burden, but also make the small money invested every month easily turn into big money in the future.
Fourth, people with weak risk tolerance. If you are not very confident about your investment risk tolerance and want to gain something in investment and financial management, it is suggested that you can choose a fixed investment fund. Due to the weighted average of investment cost, the fixed investment of the fund can effectively share the overall investment cost, reduce the risk affected by price fluctuations, and then obtain stable income more easily. It is one of the best tools for long-term investors to be optimistic about the market.
Buffett once said: "By investing in index funds regularly, an amateur investor who knows nothing can often beat most professional investors." This may be the charm of the fund's fixed investment. I hope my answer can help you ~