The bank's "fixed investment" business is an internationally accepted fund management method similar to the bank's zero deposit and lump sum withdrawal, and it is a financial management method of purchasing a certain fund product at the same time interval and the same amount. The advantage is that the investment cost can be averaged, because the way of fixed investment is to buy a fixed amount of funds on a regular basis no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund is low, buy more shares, that is, automatically form an investment model of reducing the fund on rallies and increasing the fund on dips. And is less disturb by human factors.

Skills and methods of investing in index funds

1. Select index funds with low fund valuation to make fixed investment. The lower the valuation of the fund, the less risk investors take;

2. Choose an index fund with small tracking error for fixed investment. The lower the tracking error of fund, the smaller the difference between fund and tracking index;

3. Index funds fall, and fixed investment will reduce costs. The lower the cost, the smaller the cost risk of investors, and the higher the possibility of obtaining income in the future;

4. Long-term fixed investment, the long-term investment of the fund is more meaningful. Historically, long-term fixed investment is more likely to generate income;

5. Choose a fixed investment on Thursday. Historically, the probability of falling on Thursday exceeds that of rising, and a fixed investment on Thursday will make investors' costs lower.