The main difference between fund purchase and fixed investment is that the ability to choose a fund is different, the investment risk is different and the investment return is different. Fund purchase refers to the one-time purchase of fund shares, and then sell them when necessary. Fixed investment of the fund refers to setting the amount and time of buying and buying in batches. After the setting is successful, it will be bought according to the set conditions.

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The normative definition of fixed-term investment is a fund investment mode in which an investor applies through a designated fund sales organization, agrees in advance on the deduction date, deduction amount, deduction method and the name of the invested fund, and the sales organization automatically completes the deduction and subscription in the bank account designated by the investor on the agreed deduction date. First, invest regularly, every little makes a mickle. Investors may have some idle funds from time to time. By regularly planning to buy the target and increasing the investment value, they can "gather sand into mountains" and unconsciously accumulate a lot of wealth. Second, there is no need to consider the investment time. The key to investment is "buy low and sell high", but few people make a profit by grasping the best trading point when investing. In order to avoid this artificial subjective judgment error, investors can invest in the market through the "fixed investment plan", regardless of the market entry time, market price and long-term investment decision on its short-term fluctuation.

Third, average investment and spread risks. The capital is invested in stages, with high and low input costs and relatively low long-term average, which maximizes the diversification of investment risks. Fourth, the compound interest effect is considerable for a long time. The income of the "fixed investment plan" is the compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income. Through the effect of rolling interest calculation, the compound interest effect is more obvious with the passage of time. It takes a long time for the compound interest effect of fixed investment to be fully displayed, and it is not appropriate to terminate it casually because of short-term market fluctuations. As long as the long-term prospects are good, the short-term decline in the market is an opportunity to accumulate more cheap units. Once the market rebounds, long-term accumulated units can make a one-time profit. Fifth, automatic deduction, simple procedures. You only need to go to the fund agency to go through the one-time formalities, and the deduction subscription for each period in the future will be automatic. Fixed investment is suitable for young moonlight people: because the fund has two functions of investment and savings, it can leave daily living expenses after paying wages, and the rest of the funds can be fixed investment to "force" their savings and cultivate good financial habits.