Generally speaking, the so-called fixed investment of the fund means signing an agreement with the bank to invest a fixed amount into the fixed investment fund on a fixed day of each month (holidays are postponed). For example, on the 8th of every month, I bought 500 yuan Bushi Yufuhe 1 1,000 yuan Bo Shi Stabilization Fund in Bank of Communications;

What are the risks and benefits of the fixed investment of the fund?

The risk of fixed investment is smaller than that of subjective investment, because it disperses the risk well and has great benefits. For example, Bo Shi Yufu, which I invested in, is an index fund. In 2005 1 month, I started to invest regularly 1400, with the lowest drop to 980, but I also earned 20% in May this year.

How does it compare with the benefits of lump-sum deposit and withdrawal (specific data description)?

First of all, we can't compare equity funds. If the stock is bullish for a long time, I estimate that it is 2-3 times higher than the zero deposit and withdrawal. For risk-free cash/ultra-short debt funds, it is higher than one-year fixed deposit, not to mention fixed investment. At present, the annualized interest rate of Bosera Stabilization Fund is about 2. 15%, so it is not necessary to pay interest tax, which is convenient for current demand-if money is needed, 2.

Which fund is better at present?

If you are optimistic about the China stock market, then choose partial stocks or index funds, and it is generally no problem to find big companies.