simply make a fixed investment in the fund.

Regular fixed investment of funds means that the investor agrees on the deduction time, amount and method of each period in the relevant sales organization, and the sales organization automatically completes the deduction and fund subscription from the bank account designated by the investor on the agreed deduction date. Because the amount invested in this method is generally small, investors can make money work automatically for a long time through an agreement, so it is also called "lazy investment method".

For example, if an investor decides to invest 1, yuan in a certain fund, according to the regular quota plan, the investor can invest in 1 yuan every month for 1 consecutive months; You can also invest in 2 yuan every month for 5 consecutive months.

Different from a single investment, the fixed-term investment fund has a low investment starting point and does not increase the economic burden; Automatic monthly deduction, with the effect of forced savings, accumulated funds for investors; If you persist for a long time, you can also get compound interest income.

Regular fixed investment can effectively spread investment risks. When the net value of the fund rises, the fund shares bought are less; When the net value falls, you buy more shares. In this way, "buy less when going up and buy more when going down" can effectively reduce the investment cost in the long run, and investors don't have to work hard to choose the right investment opportunity.

how to invest and manage money has always been a difficult problem for the public. Citizens generally lack professional investment knowledge and experience, and also lack the time and energy for stock trading or foreign exchange trading, so the business of "fixed fund investment" came into being.

similar to the "lump-sum withdrawal" method that depositors are accustomed to, the fixed investment of funds is as convenient as "lump-sum withdrawal", but it is obviously more profitable and flexible. With the fixed investment of the fund, investors can plan their own and family members' financial goals such as education, pension and housing. Take the fixed investment in the fund currently launched by ICBC as an example. If investors use 1 yuan to make lump-sum withdrawal every month, according to the current interest rate of the bank, the principal and interest will be 64,392 yuan after five years, and in the same time, if they invest in a fund with an annual return of 1% with the same money, they will get 77,171 yuan, which is more than 1, yuan. It can be seen that as long as a certain period of time is accumulated, the fund's fixed investment will bring the compound interest effect to the extreme, which will enable investors to obtain considerable returns. In the current period of stock market adjustment, the fixed investment of the fund is a good choice. At present, the minimum investment quota of the fourth fund of ICBC is still 2 yuan, and the threshold is very low.

if you insist on the fixed investment of the fund, the proceeds can be used as the down payment for buying a house and a car in the future, and can also be used as a reserve for marriage. In the long run, investors can even use this to prepare for their children's education funds and their own pensions.

what are the advantages of fixed-term investment funds?

first, invest regularly, every little makes a mickle. According to one's income level and financial planning, the amount of money invested in a fixed amount at a time ranges from several thousand yuan to several hundred yuan. However, in the long run, buying funds through a fixed amount of investment plan to increase investment value can "accumulate sand into a tower" and accumulate a lot of wealth unconsciously.

second, automatic deduction, simple procedures. Just go to a fund agency, such as a bank, and go through a one-time procedure. In the future, the deduction subscription will be automatically carried out.

third, average cost and spread risks. Regular fixed investment because the monthly investment amount is fixed, when the net value of the fund rises, the fund share bought is less; When the fund's net value drops, more funds will be bought, which naturally forms an investment strategy of "reducing the fund on rallies and increasing the fund on dips", obtaining the average cost, avoiding the trouble of choosing investment opportunities and diversifying investment risks.

We should also pay attention to the following two points through regular fixed investment funds:

First, we need to persist for a long time. Especially in the case of market fluctuation or even decline, this is providing you with a time to inhale more chips on dips.

second, you need to do what you can. The money used for regular fixed investment every month must not affect your normal life, and don't set an unbearable investment amount to burden your daily life.