Judging from the income of past funds, the income of choosing smart fixed investment for the same product is higher than that of ordinary fixed investment. However, smart fixed investment has valuation strategy and moving average strategy, and the return of investors who want to set a good strategy will be significantly higher than that of ordinary fixed investment:

Valuation strategy:

That is, the deduction date, if the latest valuation of the index reaches the underestimated score, the deduction will be made; If the latest valuation does not reach the underestimation score, it will not be deducted on the deduction day. Therefore, the advantage of this strategy is to reduce the possibility of buying expensive ordinary fixed investment, and the disadvantage is that it is not much different from ordinary fixed investment.

Average strategy:

Simply put, it is to deduct points below the moving average; Above the moving average, the deduction is less. For the reference index and moving average, the system will automatically match the optimal index according to the target, and its actual deduction amount = basic fixed investment amount × current deduction rate, and the yield is between 60%- 120%. The advantage of this strategy lies in the higher income, but the disadvantage lies in the assumption that investors set the fixed investment fund as 65,438+0,000 yuan, and the maximum deduction may be 2,200 yuan when underestimated.

To sum up, the average strategic return of smart fixed investment will be higher than that of ordinary fixed investment and valuation fixed investment.