China Construction Bank Fund Fixed Investment: Fund fixed investment is like a bank's zero deposit withdrawal. It is an investment method that is popular around the world.

From the perspective of financial management, the four major advantages of fixed investment in funds are obvious: average cost, reducing risks; saving investment, killing two birds with one stone; compound interest effect, gathering sand into a tower; avoiding timing, investing for lazy people.

Things to note when choosing a fund for fixed investment: 1. Persistence.

When purchasing fixed investment funds, you must be prepared for the medium and long term, at least three years. Only in this way can you achieve results. The most important thing is persistence.

2. Suitable.

Choose a fund that suits you based on your financial situation and hobbies, and choose a suitable investment ratio. The investment ratio is generally about 30% of your income, and you should do what you can.

3. As early as possible.

The earlier you buy a fund, the greater the benefits you will receive.

Concepts related to fund fixed investment 1. Types of funds: According to different investment objects, funds can be divided into stock funds, bond funds, hybrid funds and money market funds.

Under the premise that risks and returns are proportional, the product risk ranking is: stock funds>hybrid funds>bond funds>money market funds.

2. Fund fixed investment fees: Like other open-end funds, investors need to pay a subscription fee when making a fixed investment in a fund, and a redemption fee when redeeming.

In order to encourage investors to invest in the long term, banks sometimes offer preferential rates to fixed investment customers.

Types of funds Dividend reinvestment: Reinvest the income received in the fund and convert it into a corresponding number of fund units to expand the investment scale. If you insist on it for a long time, you can exert the compound interest effect.

3. Fund type Fund conversion: During the duration of the fund, investors can convert all or part of the fund shares they hold into other open-end fund shares managed by the fund manager.

At present, most funds have opened conversion services.

4. Unit net value and cumulative net value: The unit net value is the balance after deducting liabilities (including fund company management fees, etc.) from the total market value of the fund assets on that day, that is, the net value of the fund assets represented by each fund unit; the unit net value plus the fund establishment

After the cumulative unit dividend amount, if the net value of a fund unit is 1.6 yuan and the cumulative net value is 1.89 yuan, it means that it has paid dividends of 0.29 yuan per unit share since its establishment.