Personally, I think this is just a marketing strategy of fund companies. It is not so much untenable to protect the interests of investors, because in the current market situation, few people buy funds, and active funds generally fall, and the decline is not small. It is a curve marketing method that only allows fixed investment and does not allow normal subscription. If you make a fixed investment, it is inevitable to deduct money every month. Compared with one-time investment, it seems that the investment is less, but in fact it is completely caught in the circular buying of funds. A good fund will not let you make a fixed investment or purchase, such as the China market, which also protects the interests of investors. If it wants to vote, what effect will it have. It should also be noted that fixed investment is a test of investors' ability and endurance. Not all funds are suitable for fixed investment. Pay attention to strategy and advance and retreat mechanism. There are many problems you need to consider. You should know that the result of three-year fixed investment can't win the interest rate of three-year fixed deposit. You know that. Let alone outperform the yield of government bonds. You don't know that many bond funds are better than stock funds for three years, do you? There are market factors and blind investment of funds.