I think you should invest in money funds, which can be said to be almost risk-free and high-yield. What is the fixed investment of the fund? Fixed fund investment is a way of fund subscription business. Investors can submit an application through the fund's sales organization and agree on the time, amount and method of each deduction. The sales organization will automatically complete the deduction and fund subscription in the fund account designated by the investor on the agreed deduction date.

Characteristics of fixed investment of funds

1, average cost, risk diversification

It is difficult for ordinary investors to grasp the right investment opportunity in time, and they often buy at the high point of the market and sell at the low point of the market. However, the fixed investment mode of the fund is adopted. No matter how the market fluctuates, the fixed investment fund will be fixed for one day every month, and the bank will automatically deduct the money, and automatically calculate the number of fund shares that can be purchased according to the net value of the fund. In this way, investors buy funds on schedule, and the investment cost is relatively average.

2. Suitable for long-term investment

Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.

According to the survey results of Morgan Fleming Investment Company on investors in Taiwan Province Province, about 30% investors choose the way of regular fixed investment fund. Especially in the 3 1-40 age group, as many as 36% people are engaged in this investment. The survey of investors' satisfaction with investment tools shows that the satisfaction of investors who buy and sell stocks in Taiwan Province Province is 39.5%, that of investors who buy funds in Taiwan Province Province alone is 55%, that of investors who invest in overseas funds alone is 52.5%, and that of investors who invest in fixed funds regularly is as high as 53.2%, which further shows that investors prefer investment targets with low volatility and pursuing long-term stable appreciation.

3. It is more suitable for investing in emerging markets and small equity funds.

For emerging markets or small stock-based overseas funds with large fluctuations in medium and long-term fixed investment performance, because the stock market callback time is generally long and the speed is slow, but the rising stock market rises rapidly, investors can often accumulate more fund shares when the stock market falls, thus obtaining a better return on investment when the stock market rebounds. According to Lipper Fund data, as of the end of June 2005, the average return rate of investors who have continuously deducted money for investing in any emerging market or small company stock fund in the last three years is at least 23%.

4, automatic deduction, simple procedures

Fixed-term investment funds only need investors to go through the one-time formalities at the fund agency, and then they will automatically deduct the subscription for each period, usually on a monthly basis, but there are also other time limits such as semi-monthly and quarterly as regular units. In contrast, buying a fund by yourself requires investors to go through the formalities in person at the agency every time. Therefore, the fixed investment fund is also called "lazy financial management", which fully embodies its convenient characteristics.

Past performance of the fund

It is very necessary for investors to know the past performance of the fund, just like observing the exam results to judge the Excellence of a student. The past performance of the fund shows the profitability of the fund to a certain extent. Although the test score is not the best indicator, it is the most real and available indicator, and so is the fund. It should be noted that the past performance of the fund should be compared with the same type of fund, otherwise the comparison between "apples and pears" is meaningless. For example, stock funds should be compared with stock funds, but money market funds should not be compared with stock funds. At the same time, it should be noted that we should not only compare the income of the fund, but also pay attention to how much risk the fund bears while making money for us. If there are two funds with similar returns, then we will generally choose the fund with relatively small fluctuations and little risk.

Fund position structure

Fund is essentially a financial service provided by fund companies to investors, but this service is expressed in the form of portfolio, because funds also want to buy stocks and bonds. Then, through the investment portfolio of the fund, we can see many characteristics of the investment style of the fund. For example, through some statistical methods, it can be distinguished whether a fund holds large-cap value stocks or prefers small-cap growth stocks. From the change of portfolio, we can see that the characteristics of the fund in daily operation, such as position weight, shareholding concentration and asset turnover rate, can reflect the investment style of the fund. Of course, the more direct method is to list the top ten awkward stocks of the fund and judge them one by one, and judge the recent performance of the fund from the potential of these stocks.

fund manager

When choosing a fund, investors should not only know the historical benefits and risks of the fund, but also know who manages the fund, that is, the role of the fund manager in managing the portfolio. Fund managers hold the investment power, decide the variety and time of trading, and play a decisive role in performance. His own investment ideas and ideas have a far-reaching impact on the operation of the fund.

How should investors pay attention to such a key figure? We think we can start from several aspects. We can start with the performance of fund managers in the past. This is relatively easy to get data, which can reflect their overall strength and investment style. The more these data, the longer the span, the more telling the problem. Secondly, look at the experience of fund managers. If the fund manager has done in-depth fundamental research and experienced the bull-bear transition in the post-investment market, such experience is beneficial to the fund manager to manage the fund. Finally, we should care about the professional ethics of fund managers. Why should we pay attention to this? Because investors actually buy the investment services of fund managers, who are entrusted by us to help us manage our finances. Trust is the most important thing in this relationship. If you can't trust the fund manager, how can you trust him? Therefore, investors should be concerned about whether the fund managers they rely on have been punished by the regulatory authorities and so on.

Fund company

Funds are inevitably in the environment of fund companies in operation, and fund managers will be more or less influenced by the management of the company in their management ideas and methods, so fund companies are also one of the objects to be considered when choosing funds. We mainly pay attention to the following aspects of fund companies, the overall strength of the company and whether its funds generally perform well. In addition to the level of investment management, it also depends on the company's investor service level, whether it is customer-centered and whether it creates as much convenience as possible for customers. In addition, whether the company's internal management is standardized and whether shareholders can provide support is also very important.

After selecting a fund through the above aspects, it depends on whether the fund is suitable for you, and whether the investment objectives, investment targets and risk levels of the fund are consistent with your own goals. In fund investment, there is no best, only the most suitable, investors need to keep in mind.

In addition, buying a fund does not mean that you can sit back and relax. We still need regular attention, but not very often. Just combine the quarterly report of the fund every quarter, and comprehensively analyze the performance of the fund before deciding whether to operate the fund. You can bring your ID card to a securities company or bank to open an account, buy or sell, or make a fixed investment. Steps to handle fund fixed investment business through online banking (taking China Merchants Bank as an example):

1 handle the gold card or ordinary card of China Merchants Bank.

Open professional online banking and apply for digital visa.

Download China Merchants Bank Professional Edition and enable digital visa after installation.

4. Set the login password and all kinds of passwords required for online banking login, and set up the system accordingly.

5 Log in, click Investment Management/Fund/Fund Account/Fund Account, and select the fund company that needs to purchase funds to open an account.

6 After about 2-4 days, log in again and click Investment Management/Fund/Fund Account/Account Inquiry to confirm whether the account opening is successful.

7 Click Investment Management/Fund/Investment Plan/Investment Plan Application, enter the fund code and click Apply for Investment Plan. In the pop-up dialog box, enter the monthly fixed investment amount and maturity date, and click OK.

After about two working days, log in again, click Investment Management/Fund/Investment Plan/Investment Plan Query, confirm the success of the application, and record the date of deduction.

9 Deposit the funds into the card before the day of each month, and log in for the following operations: click Internal Transfer/Transfer from Securities Fund Wealth Management Account/Transfer from Current Account to Margin to transfer all the deposited funds into the wealth management account. At present, there are three main channels for buying and selling open-end funds. The cheapest is floor trading:

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, eight ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%. The subscription fee of the new fund will be returned to investors, and it is not cost-effective for banks to collect it in full.